23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had asked Allied Collection services to provide proof of debt multiple times and they failed to do so. Stating that " the debt was valid '' to each Credit Bureau unable to provide an invoice or anything regarding the debt claimed to be owed by XXXX XXXX XXXX. 

Each credit bureau had agreed the debt was not valid and removed from credit report. 

This account keeps coming up on my credit report for a debt that was never verified. 

XXXX XXXX XXXX never provided anything outside of a paper invoice for " debt owed '' Claimed services were rendered that were never completed
Product: Debt collection

I have received two letters from XXXX XXXX XXXX XXXX, Collections and Billing, XXXX   XXXX XXXX, XXXX, CA XXXX, phone number : XXXX claiming that my account remains seriously delinquent. 
They are claiming that the Creditor is XXXX XXXX XXXX ( they put an asterik next to the name ), my file number is : XXXX and my account number is : XXXX and that I owe {$790.00}. 
They have stated that if they do not receive the full balance within 10 days of this letter action may be brought against me without further notice. 
It says please make payments payable to XXXX - DO NOT SEND CASH. 
I have no idea what they are talking about but they are very persistent. 
Thank you in advance for your help on this matter.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USDT and XXXX ETH from my XXXX account to fraudulent investment firm
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter sent to Trans Union on XX/XX/22 regarding the investigation of 3 Inquiries not authorized. A stall letter has been to me from TransUnion stating this information did not come from me, even though I included my license and bill copy. According to FCRA U.s.c 15 Sec. 1681, I'm aware of my consumer rights concerning the investigation of unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. Please have this account removed completely from my report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX  with no resolution because each organization states it is not their responsibility to report my payment. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX XXXX, the collection agency I paid in full is Keith D Weiner & Associates. I have the letter showing that I satisfied this debt and it is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and there is fraudulent activity still on my credit report. I have reached out to XXXX, XXXX & Equifax. I have sent them letters and told them that i have contacted all of the companies that placed the inquiries on my profile and told them that they're fraudulent. The told me to contact XXXX XXXX XXXX & Equifax & There has been no change. I filed a FTC Report today as well and asking for The 3 Bureaus to Please remove the inquiries off of my report as they don't hold accounts & ARE NOT MINE! 

XXXX XXXX XXXX XX/XX/XXXX . XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

Bank of America checking account has been reported on the credit report and XXXX XXXX as fraudulent. I wrote to the company that my debit card was stolen/lost, but they still said it was fraudulent. I am unaware of any fraudulent activity that happened on the account because as stated before my card was stolen. Bank of America still hasn't updated me on exactly what was going on on the account, but according to my report, I see an unpaid XXXX closure of {$2400.00}. Due to me not having any knowledge about this activity on my account and me also reporting this countless amount of times I want this removed from my report IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I supposedly wrote a bad check at a grocery store for my guess is around 100 $ in the year 1999. The garnishment order states that XXXX grocery has a garnishment order against me represented by debt collectors Newman and Hesse in XXXX Ks in the amount of XXXX, XXXX $ I was never informed or given anything to contest this issue. I think the garnishment order is way outrageous and I was n't given notice of any sort.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Orders XXXX to Pay {$19.00} XXXX for Widespread Credit Reporting Failures Company Furnished Inaccurate Account Information to Credit Reporting Companies, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases. 

I am also having the same problem with this issue above, I never ever had issues with non of my leased vehicles this is my fourth car being leased. I had a lease with XXXX, XXXX, then XXXX again then XXXX & this is the first time I had an issue with a company that's not reliable was told one this on a phone call and they do something completely dependent, I had an issue with an excise tax that they sent to an old address that I had updated with them Multiple times by email and by phone. Never ever have I missed a lease car payment that directly removed from my bank account, but because of the car excise tax that was sent to an old address that I called and confirmed updated it Multiple time via email and calling. They added that excise tax as an missed car lease payment, which it doesn't make sense that not part of the car lease, I have been making the lease payment if they tried calling me or sent me a payment for the excise tax in the mail at the updated address I would of paid it, or even sent it to a collection agency so they could attempted to contact me for the excise tax of the vehicle, but not try to add that as part of the car payment and as missed payment. That's fraudulent, unacceptable never again I will buy or want a XXXX vehicle again or will advise any family member or friends to buy one and leave some reviews online are a couple of big websites for vehicle reviews. Not a good company for customer service. Plus all this lawsuit for credit error.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that AMEX have placed an inquiry on my XXXX credit file dated XX/XX/2018, XX/XX/18, XX/XX/18 As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both AMEX and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Credit card or prepaid card

in XXXX of 2020 i started a dispute for the charge from XXXX XXXX. since then, i have never gotten any contact status update from discover throughout the investigation. it was always up to me to call to find out what the next step was and what was expected of me, otherwise i wouldn't hear anything. I had to do this in XXXX, XXXX and XXXX of 2020. I thought the dispute was judged in my favor after talking with discover corporate office until i went over my bank records and saw that i wasn't. the last time i reopened the case was in XX/XX/2020 for the amount of {$450.00}, still have not heard anything back about that and i wont contact them again. 

i truly think discover has mishandled the investigation and haven't done much to help get it resolved. i have supplied evidence, including pictures and statements that the merchant was caught lying and they still side with the company.
Product: Checking or savings account

I went to a XXXX XXXX XXXX ATM today XX/XX/23 and made a withdrawal however after the transaction processed the ATM gave me an error message stating something is wrong with this machine. I contacted Navy federal and was advised that I had to wait for the system to update and it can take up to 2-3 days per supervisor XXXX to receive my funds. This is not acceptable. They advised where they see that XXXX XXXX XXXX is making a correction but will not not credit my account back the funds. I contacted Navy Federal again and spoke to XXXX who was basically told me there is nothing she can do.
Product: Student loan

I need help with a private Nelnet/Firstmark student loan. I am currently on XXXX and held a Nelnet Federal Loan as well. The Federal loan was forgiven. The Nelnet /Firstmark private loan they will not forgive. 

I am XXXX years old and on Social Security XXXX. I took the loan out when I was a single mother struggling to pay my bills and went to school to be a XXXX  where I never made any more than {$3200.00} a year. The loan of {$12000.00} was disbursed on XX/XX/XXXX at a variable rate of 4.750 % and the current balance of {$13000.00} ( 15 ) years later. My ex-husband was a cosigner on this and they continue to call him for payment. I have asked that they stop since we have been divorced since XXXX but they continue to call him. They refuse to forgive the loan as they say that the underwriter will not permit it since it works differently than my Federal Loan. The idea that I need to pay this in full or at all seems to make no sense at all. Firstmark continues to report to credit agencies as in collections since I have not paid anything on these loans and my credit rating is suffering. My ex-husband 's credit is also affected. I am told there is no more forbearance left on this account, current covid relief for student loans does not apply. There are no payment adjustments and no forgiveness for this loan. I would appreciate any help, suggestions, guidance as to how to navigate this. It seems ironic that after graduation, I worked as a XXXX for plaintiffs attorneys and clients that were injured and/or taken of financially while making very little money while supporting myself and my daughters as a single Mom and now that Im XXXX years old on Social Security XXXX Im dealing with this. I would very much appreciate any guidance you may have to offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned XXXX XX/XX/2021. I tried to obtain and they said i had collections and un paid bills. Im a XXXX with a XXXX at the time the reports was made. Anything on all XXXX credit reports are not mines. Because I never open up a acvount. Im trying to rent a apt and get a cellphone but these issues needs to be disolved I turned XXXX XX/XX/2021. I tried to obtain and they said i had collections and un paid bills. Im a XXXX with a XXXX at the time the reports was made. Anything on all 3 credit reports are not mines. Because I never open up a acvount. Im trying to rent a apt and get a cellphone but these issues needs to be disolved. My social XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Many concerns : A collection company representing First Porgress XXXX XXXX XXXX keep calling me with information that an account ( XXXX ) were open in my maiden name ( XXXX ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for. 

XXXX XXXX XXXX representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised. 

XXXX XXXX - XXXX which was paid in full a long time ago and disputed transaction from a companty called XXXX men and a truck. I have no knowledge of but they keep calling me to pay. 

XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error. 

XXXX XXXX- I have TWO credit accounts from XXXX XXXX AND XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error. 

I call to remove closed accounts from my credit but those companies do not anything. 
I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights.

15 U.S. G 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

In XX/XX/XXXX, I reached out to Shellpoint Mortgage Servicing to request a 3 month deferment of payment for my mortgage due to the pandemic 's effect on my business. I was approved to defer XXXX, XXXX and XX/XX/XXXX. I then requested further deferment starting in XXXX. I contacted my mortgage company on a weekly basis and provided all requested documentation along the way. In XX/XX/XXXX, I was approved for a trial modification with lower monthly payments starting XX/XX/XXXX through XX/XX/XXXX. I made each monthly payment on time starting XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I received documents for a permanent modification which I approved. In XX/XX/XXXX, they sent me a balance due for the escrow. I paid the entire amount immediately, however the mortgage company did not apply it to the escrow. In XX/XX/XXXX, the mortgage company reported me as three months delinquent to all three credit bureaus. I have called them on a weekly basis and each time I received different instructions than what was mailed to me. There are also random fees in my mortgage history that were never sent to me.
Product: Credit reporting or other personal consumer reports

im a XXXX  senior in shelter found fraud collections on report thru credit karma and XXXX XXXX  claim they dont see this im demanding investigation due to freeze on all bureaus no one should not been anyway way for someone to apply for anything in my name im paying XXXX credit cards was XXXX now im in collections from some company source XXXX XXXX XXXX acct no XXXX snapshot dont know what that is with XXXX contact them demanded investigation in writting to me as to how they got my info to open this account for XXXX contacted police fbi wo and anyone else you may suggest to me working on ss ofc oig oag ... this is unexceptable to go thru this im trying to move please help
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 ( Equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO Equifax credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts include a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. Additional fraudulent accounts consist of credit card and insurance accounts opened at XXXX XXXX XXXX, XXXX XXXX XXXX, and Progressive on dates ranging from XX/XX/XXXX to XX/XX/XXXX under account numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my credit report. I demand that these fraudulent items be removed from all my consumer credit reports and that all collection activity related to these accounts cease immediately, as protected by my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO 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 ), ( XXXX ), and ( 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: Checking or savings account

On XX/XX/2020 i deposited my tax return check of {$900.00}. I did not received anything the next day. So i contacted chase through XXXX  and was told that my check was on hold because it was being evaluated. I was also given number to contact chase about my check to ask to remove the hold. I called on XX/XX/2020 and was told i could not do anything about it nor they could remove it. I told them that i needed the hold to be removed so i could go elsewhere in person to cash my check and they did nothing to help me. I called numerous times and spoke to the head supervisor and she said i would have to wait until XX/XX/2020 for my funds to be deposited. Im now overdrawn on my chase account with overdraft fees. I have never had an issue trying to deposit my U.S Treasury Check!!! My money that i can't believe I'm having to beg for. I will close my account with Chase after everything has been resolved. It's unbelievable, never thought something like this could happen to someone who does things right on time.