23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After a reviewing a most recent copy of my credit report, I found a derogatory remark placed there by MEDICREDIT collecting for 2 medical bill that I have no knowledge of and NEVER received any notice from this agency written or otherwise. I was never given the opportunity pursuant to Fair Credit Reporting Act, Fair Credit Billing Act and the Fair Debt Collections Practices Act to dispute or request validation of these alleged debts, they just without validating this information place these negative accounts on my credit reports which is a violation of my rights as a consumer. 

They are attempting to collect for : XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect items on my credit report.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX XXXX. I am contacting the CFPB today to detail my recent experience with identity theft, and an ongoing issue with TransUnion and XXXX XXXX. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter 3 times now, and specifically the " XXXXXXXX XXXX XXXX '' account is still reporting. I would appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. With no answer as to why, TransUnion, XXXX and XXXX continue to report this account to my credit report. They won't provide any methods they used for verification, even after I've provided numerous documents proving this case of identity theft. 

Considering the above circumstances, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , the XXXX  credit reporting agency , and XXXX XXXX ( XXXX XXXX  ), 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 have once again provided the information regarding the account in question : XXXX XXXX XXXXXXXX Acct # : XXXX Open Date : XX/XX/XXXX I dont recognize this account. I did not authorize it and because of an evil roommate, I have to suffer for his terrible actions. This account was not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to TransUnion and XXXX, as proof from the XXXX Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - XXXX - {$7400.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this XXXX card account removed off of my credit reports only to have it randomly reappear over half a year later. I only have 1 XXXX Card. What is showing on my account is 2 accounts. My actual account as well as a delinquent account opened 2 years ago that does not belong to me. I have had this account removed before and insist on having the fraudulent account removed again-permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was a victim of identity theft. I sent the required documents to https : //www.ftc.gov or FEDERAL TRADE COMMISSION XXXX So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX. Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

They called what they thought to be my spouse and then proceeded to give my information to the person they called including the amount owed, account name and info and told him they would be suing me. When I called to talk to them about them giving any of my info to anyone that I had not put down as my relative I was told they could and then was told they had a lawyer ready to sue me. They called my " spouse '' at XXXXXXXX XXXX on XX/XX/year> and spoke to them about my information for XXXX min XXXX seconds.
Product: Checking or savings account

On XX/XX/XXXX I contacted Capital One 's Spark Business Checking department at XXXX. I wanted to verify whether or not my old Spark Business Checking account was still valid and available for use. I was able to log into the account using my old credentials and saw there was a negative balance of {$280.00} I had since XXXX.The representative I spoke with that day advised me the account was still open and available for use. She offered me an option to order a new debit card, but I thought I had my old one so I declined. I updated my phone number, email, and address from XXXX to XXXX online as well. After confirming the account was in " good standing '' I provided my employer with the account and routing number for my direct deposit. 

On XX/XX/XXXX I couldn't find my old debit card and contacted Capital One 's Spark Business Checking department at XXXX to request another card be sent to me. The young lady politely confirmed my new address in XXXX, sent me a new card, and advised me the new card would arrive in 3-5 business days. 

When I did not have the new card by XX/XX/XXXX I called Capital One 's Spark Business Checking department at XXXX a third time to see if they were able to activate my old debit card. The young lady politely reactivated my old debit card and changed the PIN number for me. This was very important because I was scheduled to move into my new apartment onXX/XX/XXXX after sleeping in my car for 2 months. 

On XX/XX/XXXX I called Capital One 's Spark Business Checking department at XXXX to verify my old card was indeed active and was advised I would need to speak with another department to verify information before any incoming deposits. Upon speaking with the department, I was advised this was the collections department. I was advised my direct deposit would go into the account, but that after Capital One was paid their debt I would be sent a check in 2-5 business days with the balance. 

I completely understand the company wanting to collect their debt. I fully intended on paying it. However, I should not have spoken with 3 representatives before being briefed on the true status of the account. The account was by all appearances open, but per the collections department it was actually charged off. 

All I am saying is that I feel the company deceived me into believing I had an active account when in fact the account was not active at all. It was unfair of them to give me the idea that my account was available for use when in fact they were just attempting to collect a debt. The ordeal has caused a great deal of emotional distress. Yes, I will get the funds eventually, but I am hoping they still hold my apartment and I also hope my next direct deposit does not try to go into that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. section 602A states I have the right to privacy. 15 U.S.C. section 604A section2 also states a consumer reporting agency can not furnish an account without my written consent. In accordance with the fair credit reporting act, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. section 602A states I have the right to privacy. 15 U.S.C. section 604A section2 also states a consumer reporting agency can not furnish an account without my written consent. furnish an account without my written consent. 



In accordance with the fair credit reporting act, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. section 602A states I have the right to privacy. 15 U.S.C. section 604A section2 also states a consumer reporting agency can not furnish an account without my written consent. Furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries that are on my credit report are fraudulent and I dont recognize them XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

They Keep providing Information that is not relevant to what my concerns and Questions are? I have Attending court they mail me the same information over and not yet not what i have requested.

This need to go father what others steps are there that i can Take at this point court has not been helpful even the judge agreed that the price was not going down no valid reason as to why the prices keeps going up yet he still agreed with them because he always does he is being paid by the debt collectors.

I am Not giving a fair change or reasoning as to why they are reporting inaccurate information on my credit reports this is actual damage and effective my life. This debt is not current this is not a new debt yet they are reporting this debt as recent debt, taking my money with no notice it should have been sent certified mail and i should have had to sign and made aware of my taxes and wages being took.

This has been a on going problem and i am not looking for a responses from them looking for a solution, want them to stop reporting inaccurate information on my credit report, the amount is inaccurate, wage and taxes have been took and the amount should be going down not continuously going up, why am I being charged interest and can this stop? What can be done to stop garishment of taxes and wages, can we come to an agreed settlement amount where interest is not continuously being charged and going up.

I am Currently XXXX XXXX XXXX and have a XXXX hearing coming up in XXXX. I need my income taxes and do not want them to garnish them, how can this be stopped? What is a solution, can it be mailed to me, This is effective my life and lively hood and just because they are responding with lawyers doesnt make it right. This was my car my property and it was stolen and took from me illegally, with unfair and unreasonable, and illegal possession and practices and they continue to ruin my life and cause damage with incorrect, unfair information and harassment and garnishments. 




They had dont and are doing illegal practices and taking advantage of poor people this was reporting as a Charge off, has been charged off yet Im still being harassed and garnished and every time i apply For something it is reporting as a new account or recently delinquent account. The numbers are not correct the amount is not correct. How can this debt keep changing dates how is this possible? This needs to go farther what are the next steps please do not close this because they reply incorrectly information. Need valid clear solutions, what can be done to stop incorrect reporting, changes of the date of the debt, the amount of the debt, how can the garnishment be stopped, can we come to a settlement amount?
Product: Debt collection

Diversified Adjustments is the debt collector and they added an exorbitant amount to my credit reports even after I sent a certified letter to them requesting validation. This debt collector added the debt to my account without allowing me time to dispute the items. I was in the middle of trying to apply for a home loan because I am homeless and they ruined my credit score. They initially put the item on XXXX. After I sent them a letter they put it on my XXXX report as well. Diversified Adjustments also sent an email to my work address indicating per my request, which I requested a letter be mailed to my Post Office Box. When the request for validation came through they did not follow policy in the timeline set forth by the Fair Debt Collection Practices Act and I did not receive the actual contract only a bill ; the other added issue is that they sent an email to my employee email address. The cancellation of the contract by XXXX cancelled any permissions previously given. XXXX XXXX and Diversified adjustment certainly did not have permission to contact me via my employer business email, which could cause me to be terminated because of the nature of my job. I provided my PO Box to them via certified mail. 

XXXX also charged every card that I ever had on file without permission, in attempt to collect a debt I do not believe I owe. They also attempted to charge my mother 's credit card and she received a fraud alert. I also received many fraud alerts. XXXX also added without my permission another account to this account. I also spoke with the reps. at length and discussed that XXXX of their reps. in Texas added another phone to my account without first asking me. My deaf daughter went into a store in Texas and they attempted to contact me but was not successful and they still added the account in my name instead of using my daughters or her fianc. They did not explain to my daughter and her fianc, the cost of the phone or the fees they would have to pay. My daughter and her fianc are deaf and they use XXXX XXXX XXXX to communicate. I also told the XXXX XXXX that the phones were severely damaged and/or lost. They were very insensitive to those set of facts and are still trying to charge me for lost or damaged phones which we can't locate without the phones being turned on and connected to XXXX per the XXXX representative I spoke with.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a validation request to Transworld systems for a debt that have placed on my credit report. They received the letter as I received the signed Certified receipt back in the mail.

It has been over 45 days and have not rcieved any communication from them Ive attached the original request and the receipt.
Product: Student loan

This is related to the Public Service Loan Forgiveness ( PSLF ) and the US Department of Education. I have the usual complaints I am sure. Delayed responses. Inaccurate qualified payment count. Wrong employment start date. It seems like they should take the information required on the certification form, verify it and enter it into the system and that should be it. Instead it takes multiple phone calls and emails only to receive a generic response and then there is no follow up. I have been doing this for around 4 years now and in 4 years I have yet to receive an accurate update on my status.
Product: Student loan

Due to the recent lawsuit against Navient, I would like my student loans verified. I am very concerned about the recent allegations. If you are unable to verify my loans, I ask that they be removed.
Product: Checking or savings account

I recently opened a Suntrust checking account with the " XXXX XXXX XXXX Debit Card '' that offers a sign up bonus " Earn XXXX bonus miles after your first PIN Point of Sale or signature-based purchase ''. I completed the requirement on XX/XX/XXXX with {$1.00} purchase at " POINT OF SALE DEBIT XXXX XXXX WA ''. I've reached out the Suntrust through messages multiple times and still have not received the XXXX sign up bonus miles.
Product: Debt collection

This debt is not mine and was added to my credit during identity theft!!
Product: Credit card

XXXX letters were sent to AMEX, the only response I 've ever received from an American representative ( not someone in XXXX XXXX, XXXX ) are due to : 1 ) Emailing the CEO which forwarded my complaint to the Executive Office and 2 ) A CFPB Complaint. 

Despite almost coming to an agreement with AMEX 's Collection Agency, they had informed me AMEX **will not stop charging me late fees** despite having a payment plan in place which is far from logical and ethnical. Those late fees would total XXXXmonth essentially XXXX any payments towards the balance. I am unable to accept AMEX 's direct " hardship program '' ( not through the CA ) because it far out of my budget and would restrict my ability to continue my studies, living expenses, and other creditors. This problem has caused me XXXX the last few months since I have been blatantly ignored in my attempts to resolve this. AMEX 's " hardship program '' waives additional late fees so the CA 's program should as well. Directly AMEX expects you to pay off your balance in XXXX months which is a clear misinterpretation of the word " hardship ''. 

I have gone above and beyond my duty in attempting to contact AMEX yet they are still trying to bill me for fees which could have been avoided months ago if they bothered to reply, a representative would allow me to speak to someone higher up in the food chain such as supervisor ( which was never allowed for whatever weird reason ) ; instead they allegedly have never received any of my complaints which have shown my desire to come to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company submitted a consumer report with background check that contained convictions that were over 20years old. This is far beyond the 7year allotment set by both federal and state guidelines. Whrn asked to remove the items from the report they simpky stated that they did not have to follow any state laws as the federal laws exempted them from any time limits and they can repirt anything they want.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXXXXXX 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/2021
Product: Credit card

XX/XX/year> contacted Navy Federal under a request for a hardship relief of payment. The request was submitted and agreed upon by the collection department and was done in error and in bad faith because my card was under a settlement and no collections agreement should have been made. I have fallen behind on both card issued by navy federal due to no financial income at this time and Im not sure when I am going to have consistent income. I reached out to Navy Federal XXXX XXXX informing them again that I am under a financial hardship and in need of assistance. They responded they only can give me assistance for 1 card because I received assistance back in XXXX for the other card and it appears that the agreement was not satisfied. I have been requesting to speak to someone to rectify this issue and they refuse to reach out. In Good Faith the bank needs to admit that I informed them of my financial situation and they were the ones who made the mistake and also increased my payments for 1 card. This mistake is gon na cause a bigger problem for me because these cards are going to be reported as passed due and continues it will be a charge off. There is no way the bank should not have been aware that my card was under a settlement its no way that each representative gives different information the bank is giving XXXX and XXXX people loans credit cards and refuse to give assistance with needed. They also in Bad faith refuse to respond to my first complaint. 


I need this bank to work with me in good faith to get a resolution to this matter. If they cant find a way to resolve this issue and provide assistance XXXX shouldnt be held accountable for any amount owed. I am currently in a financial crisis and is causing a major hardship. 



Thank You XXXX XXXX XXXX
Product: Mortgage

I received NO NOTICE from you that the mortgage company FINALLY responded to my original complaint. Without such notice from you, it is impossible for me to respond to anything from the mtg. company ..... The mtg. company stated to you that they sent me the payoff amount. They did not. Regardless, they did NOT provide the requested information in the time required by law so that payoff could be completed in a timely manner. MR. Cooper needs to be fined for complete disregard. 

Thank you, XXXX XXXX YOUR COMPLAINT Regarding Mr.Cooper home loan XXXX Since a XXXX XXXX, XXXX email from Mr. Cooper was sent to ( all? ) clients, telling of a complete company shutdown, I attempted to contact Mr. Cooper to receive a payoff letter. For weeks there was no ability to contact MrCooper, not phone, nor writing, nor internet. I was not able to find current contact/correspondence information and my most recent information from them was years old. Finally, on XX/XX/2023 I was able to gain access to corporate telephone numbers and MrCooper 's website. On XXXX XXXX, 2023 I utilized their company website to request a payoff amount letter. Their website claimed XXXX days processing to deliver a letter to me via their website. Non have arrived as of XXXX XXXX. I spent several hours attempting to call the customer service agent " assigned '' to me, to be disconnected in the voice prompting jungle each time. I did make contact with XXXX agents on subsequent days, with me having over a XXXX hour conversation with the second agent. The conversations yielding much different and conflicting information as to the payoff request process and the turn-around time required. 4 days? 6 days? Web? Email? process of notice to me that the letter was available, etc .... all conflicts with what the Website stated. Mr. Cooper has a public foreclosure sale scheduled for XX/XX/XXXX. It is impossible to payoff a loan when the mortgage company will not provide the legally required information IN THE MANDATED timeframe. ( Federally mandated XXXX. of 6 days? )