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

Incorrect posting on an attempt for debt collection! XXXX  debt collector- : XXXX XXXX XXXX  on an invalid debt. CONFIRM CAN BE DONE WITH MYID office of personnel mgmt. Case number XXXX. XXXX  already purged on cease and desist! Art people like everything else conserving credit and protection A FREEZE. Bars no lender, bank, etc ... .factvper bureaus and other agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently disputed two portfolio recovery associates, LLC accounts that the same company had contacted me to fill out the information required to prove that these two accounts were and have never been mine. I had also included a letter explaining what has happened within the prior years of these debts occurring. I do not know what Portfolio Recovery Ass. did with my paperwork but XXXX contacted me letting me know once again that these two accounts were VERIFIED ACCURATE. XXXX does not have any phone number available for a person to call and talk to someone about any concerns. They only have automated phone messages.

I just sent copies of the letters I sent to Portfolio Recovery Associates along with my dispute to XXXX to see why once again they continue to leave these accounts on my credit file. The accounts were fraudulent many years ago. I also have requested that they are blocked from my report. I am very tired of disputing accounts that aren't mine regardless of Portfolio Recovery Associates sending me copies of statements from the original company debtor. These statements mean nothing to me when I wasn't the one who created the debt. Actually, they prove nothing but balances owed on accounts. XXXX seems to continue appeasing this collection company by stating that the debts are valid instead of listening to ME! I also was told that if I disagreed with the results of the dispute I could write 100 words about my side of the story on why I disagree with the results. There is nowhere on the site that allows me to do so. I am adamant about getting these false charges off my report and I am not receiving the assistance I need to help me get this done!!! If you look at my disputes from the past, I have continually fought these two debts being false. When is someone going to listen to me?
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 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this to report multiple fraudulent accounts appearing on my consumer XXXX Experian credit report, which I do not recognize and which are the result of identity theft and fraud. The fraudulent items include a XXXX cellular telephone account, account number XXXX, opened on XX/XX/XXXX. Additionally, fraudulent hard inquiries include XXXX on XX/XX/XXXX and XX/XX/XXXX, and XXXX XXXX  on XX/XX/XXXX. These accounts and inquiries have resulted in unauthorized activity on my Experian credit report. I demand that the aforementioned fraudulent items be removed from each of my credit reports and that all collection activity related to these items cease pursuant to my rights under the FCRA and FDCPA. I request the removal of the following associated with the fraudulent activity : XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, as well as the addresses XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XX/XX/XXXX XXXX XXXX  to remove personal information that I don't want on my credit report. According to FCRA 15 USC 1681. I have the right to privacy.Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people. These are in clear violations of my federally protected consumer rights
Product: Credit reporting or other personal consumer reports

I was notified today by two separate credit cards that accounts were attempted to be opened in my name. I did not make these requests. I immediately tried to add freezes and alerts on the 3 credit reporting agencies. I already had a freeze on 2 of them, and also had a fraud alert on 2. I was able to see that the freeze on XXXX was in place and that my fraud alert was good until XX/XX/year>. However I could not get this information from Experian. Experian does not show the date the fraud alert ends. I need to know so that I can make sure I extend it timely since my information has been compromised. They give phone numbers to call, which I tried and all you get is a bot repeating over and over the same information that is on the website. But, there is no way to get the information I'm looking for and the system will not transfer the call to a human. I tried their chatbot also, same thing. 

What is the purpose of having all these methods of communication if they are all saying the same thing and none of that information is what you are looking for? It should not have to be this hard. I shouldn't have to wait until crooks take out credit cards in my name or buy houses and cars. I should be able to easily monitor my own information to stay ahead of it. I would appreciate any help you can give. Thank you for whatever help you can give.
Product: Student loan

My student loan debt has been forgiven via the Public Service Loan Forgiveness program since XX/XX/2024. But the loans still show up as unpaid on my credit reports ( according to XXXX XXXX ).
Product: Credit reporting, credit repair services, 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. 

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 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 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 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 or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states 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 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, My personal information was impacted by the Equifax Data Breach . Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, My personal information was impacted by the Equifax Data Breach. Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, My personal information was impacted by the Equifax Data Breach. Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union reference civil liability 15 USC1692K
Product: Checking or savings account

Called ally XXXX Friday XXXX, ally phone system recognized my number and verified my identity after I entered last four ssn digits. After which phone service said they changed their system and " hoped I liked it. '' New service to me only provided two options ; 1- call back to number I called from or 2- call another number. I selected 1. Phone service said someone would call me back as soon as possible. On XXXX Sunday ally called, when I wasn't near my phone. A voicemail was left with a ref number and to call them back to same XXXX. I tried to login to ally account and saw I was blocked access. Tried to call ally back with ref # only to get to same two callback options. No call back from them and no way of reaching them ( chat or email ) unless I can login to ally. Meanwhile, I'm getting annoying emails from ally telling me my accounts my online access has been temporarily blocked ( whenever I attempt to login ) and my accounts are in overdraft and telling me to deposit or transfer to those accounts.
Product: Debt collection

I have been contacted by Credence Resource Management LLC. I have researched this company and it appears they are attempting to defraud people. I settled this account with XXXX XXXX in XXXX. I have attached the settlement letter and proof of payment. I have heard about collectors who take information from their companies and set up dummy companies to try to steal money. 

All my research online says that this company is bogus and operates overseas. They take the forgiven balance from settlements and try to bilk money out of those customers. This may be happening to XXXX of XXXX customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act convergent Accounts : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX, has violated my rights.

15 U.S. Code 1681i - Procedure in case of disputed accuracy, Treatment of inaccurate or unverifiable information 15 U.S. Code 1681i section 5 Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Product: Credit card

I just recently received a copy of my credit report and noticed late payments reported from your company I have never been late with a payment event during covid I enjoy being apart of your business family an I am requesting these dates be updated please XX/XX/XXXX and XX/XX/XXXX I have tried several times to contact you in regards to this matter and haven't heard back thank you for your time
Product: Mortgage

I have never been late on my mortgage, I have less than XXXX left on my mortgage from a XXXX mortgage I originally took out with Wells Fargo in XXXX, right before the XXXX financial hardship. I lost my job, all income in XXXX on XXXX and used my savings and all possible resources to maintain my mortgage. Once I wasn't able to, I contacted Wells Fargo and received a XXXX XXXX forbearance of which expired this month. I was told they were unable to assist me further and only was able to provide me with a government agency contact that's closed for NY residents. How is this fair? I paid down most of my loan, even applied for numerous positions within the bank and now at risk of foreclosure after having a hard time finding employment after working for 23 years and never asking for any help from any agency and paying all my taxes. I really need help please.
Product: Debt collection

I moved out of the property on XX/XX/year> and there was no judgment placed because there was no rent owed per the judge. The landlord kept my security deposit and sent my account to this collections company on XX/XX/year>, disregarding the judge 's orders. The security deposit covers any cleanup fees or touch-ups that needed to be done to the apartment. The landlord has a video that shows that nothing was damaged at the property. The debt collection company is saying that I owe money because I terminated my lease but I never elected to terminate the lease, the landlord ended the lease. I have already explained what happened and sent supporting documents to the collections agency but they are still emailing me trying to collect debt.
Product: Mortgage

Approximately two years ago our mortgage ( begun in XXXX ) was turned over to " Select Portfolio Servicing, Inc. '' without any forewarning or notification. Our rates began to rise dramatically, from around {$640.00} to over {$1200.00}. At some point we were made aware that the statement contained the remarks : " Bankruptcy Message - Our records show that you are a debtor in bankruptcy or you discharged personally liability for your mortgage in bankruptcy. '' Neither of those statements are true. We did file a chapter XXXX bankruptcy in XXXX, after I was fired from a job for testifying against a supervisor for drug dealing ( for which I sued the employer and was satisfied with the outcome ), but the house was NOT included in the bankruptcy. 
We first became aware of this false remark on the statement when we attempted to apply for a home improvement loan. In XXXX of XXXX the XXXX junction box/meter malfunctioned and overloaded the homes fuse box and wiring and caused a small electrical fire. We contacted XXXX who did their best to hide from us ; our home insurance and a contractor who verified the fault was the XXXX appliance but XXXX and the home insurance offered little to no help. As such, we have been living in a hotel for over a year now unable to get any help from any agency. As stated above our efforts to secure a loan were unsuccessful due to the false remarks on the statement. We have repeatedly contacted Select Portfolio Servicing, Inc. to clarify and remove the remark but to no avail. Since the insurance company XXXX XXXX ) and the mortgage company who selected the insurer were refusing to help, in fact were adding to our problems, we informed SPC that until such time as they would rectify this we would withhold payment. They ignored us. That is until last month when they filled for foreclosure!! We have spoken to over XXXX different law firms most of whom say they don't do " that kind of Law '' (?? ). It appears that ironically our only course of action will be to declare bankruptcy. 
Is there some other recourse for us? We don't want to file bankruptcy but the sale of the house is imminent and we are desperate. Our mortgage company has destroyed our credit and is now trying to take our house. 
Sincerely, XXXX and XXXX XXXX XXXX XXXX New York XXXX 
XXXX, MI XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A former friend of mine mislead me and used my private information to take out a loan at lending usa & open a credit card in my name at XXXX  in XX/XX/2023. I was not at XXXX  in person to authorize this yet it was still approved. They had access to my email along with other personal info. {$7000.00} at XXXX  & {$6000.00} at lending usa. I spoke with a supervisor at lending usa but they are not being helpful. I disputed on my credit report but both were denied. This has been causing me mental distress and I really need this resolved. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I Was in a XXXX XXXX ( that was not my fault ) that totaled my truck. 
I had been paying this loan on time, with no issues. My insurance company sent XXXX a check and the account was shown as XXXX XXXX as of XX/XX/XXXX. We then got notification 2 months later that our insurance company had sent them the wrong amount and roughly XXXX was still our responsibility, so it went back as active and showed up as late payments. We at this point had another loan and were making payments on both, we made payments every single month no matter what, but they continued to accrue interest, on a loan that was paid off and then reinstated due to an error. I talked to XXXX on multiple occasions to please take off the late payments as I was making the payments. They were not willing to work with me. I need this taken off my credit.
Product: Money transfer, virtual currency, or money service

Good Morning, On XX/XX/XXXX I was trying to login to my bank of American acct, I couldn't log in so I left to the gym and I didn't put attention next morning I got a notification the I was low on my acct so I try to log in I couldn't I have to reset my password so I change my password and that's when I found out the some one make a transfer for XXXX I make police report. A week later they call me saying they were able to give me the credit back because they were saying i was the one who make the transaction and i told them i don't know this person i don't know the email address or phone number and until now we are in XXXX they don't want to do anything because they need proof i don't have any proof i send out proof from XXXX the we got a notification saying the they stole customer information. i don't have anything else to proof the it wasn't me, they know where the money when they have the other person information but they still think it was me who make the transfer. last thing i want to mention i didn't get a notification when the person make the transfer and they saying they did send me something and when i change the email address i did receive a notice, thank you and i hope you guys can help me
Product: Debt collection

Ive disputed this for almost two years who is this company and it always come back updated, ive sent certified mail and recepits which i still have and the company have not ever sent me anything nor the proper documents as XXXX, under my fair debt collection practice act ,15 use 1692 sec 809, I have the rights to request validation of debt you claim that I owe you.I am requesting proof that i am indeed the party you are asking to pay this debt and there is some contractual obligation that is binding on me to pay this debt, i request this office provide me with competent evidence that i have any legal obligations to pay Westlake Financial, at this time, i will now inform you if your office have or continue to report invalidated information to any of the three major bureaus ( XXXX XXXX and XXXX ), this action might constitute fraud under both federal amd state laws, due to the fact, if any negitive remark found or continues to report on any of my credit by Westlake Financial ( Westlake Portfolio ), I will not hesitate to legal action against you for the following violations of the fdcpa, violation of my fcra and deformation of character, my first complaint to this company, I need verification this debt is mine and I'm obligated to pay it and they have already send back to the CFPB a certified legal document stating no records in any of they system
Product: Credit reporting, credit repair services, or other personal consumer reports

Essentially, the company has entered an unverifiable account on my credit report that I did not open. I made this fact clear to the company and provided evidence confirming identity theft and evidence from US authorities  confirming that my personal information, including my social security number, but not limited to, have been compromised. Despite this the company continues to report this derogatory account. This is my last attempt to have this matter rectified amicably without the need for litigation ; thus I have engaged the CFPB.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX Ive recently pulled my consumer credit report and I've noticed some inaccuracies reporting on my credit profile.I have contacted and asked if they can investigate whether the information that's reporting on my credit report is accurate.However after they have thoroughly investigated that the information was accurate, I've noticed that there are some inaccuracies that are still reporting. I then requested for the creditor to send me any documentation they have Within 30 days. They have failed to send me any documentation in regards to the account thats reporting on my credit profile. 

In accordance with the fair credit reporting act XXXX Account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX A states that I have the right to privacy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

FRCA Violation credit card XXXX XXXX FRCA Violation loans CONN APPLIANCES INC XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

I paid a collection for XXXX XXXX in the amount of {$960.00} on XX/XX/XXXX via my debit card. They still are sending me emails ( see below ) as of XX/XX/XXXX demanding payment.
Product: Student loan

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX & XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.