23daVinci/CFPB_Complaints huggingface dataset:
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  Account # XXXX XXXX Account # 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 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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I am filing a complaint against State Collection Services, XXXX XXXX XXXX XXXX, XXXX wi, phone XXXX. State Collection Services placed a derogatory item on my credit report XX/XX/XXXX.I have never received any correspondence, bills, notices, phone calls, or any other attempt to reach me before this action took place. I called State Collection Services and they informed me that it was for a medical bill, from XX/XX/XXXX. They could not verify the details. I have been at the same address for XXXX, same phone for at least 10yrs, and nothing was sent to me regarding this Item. I have requested Validation of the Claim from both the Collection company and XXXX. The action of affecting my credit rating without making a reasonable attempt to make any contact seems at the very least inappropriate and at its worst- likely unlawful. In speaking with the representative from State Collection Services, I was able to learn that the claim is a medical claim, but they could not provide any further documentation. They would have to request that information. It seems that to put an item on a credit report without a satisfactory attempt to reach me and without having the details of the claim, should be brought to your attention. thank your
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  Balance XXXX and XXXX XXXX balance XXXX, has violated my rights. 

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 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any adverse item other than records of convictions of crimes which pre date the report more than 7 years.
Product: Debt collection

XX/XX/2020 original creditor XXXX  return check balance {$330.00} actions taken by the company send me to collection appear on my experian report dont know anything about this
Product: Money transfer, virtual currency, or money service

my company XXXX XXXX XXXX XXXX XXXX Hospital, XXXX Hospital, XXXX XXXX XXXX XXXX. 
The Human Resources Department along with payroll inform me that they have deposit all of my earning in to my retirement account at Wells Fargo what was left from my international investment at the company, I am in need to access all of my founds and they are not in my bank account u or in the bank account that the employer had said. 
I file a police report and I have court order, from the XXXX County Court.to ask Texas Work Force Commission for the deliver services to me and find all of my access unreasonable. 
The Wells Fargo Bank refuse to respond to the account existence, told the XXXX Police Department and I to visit XXXX  XXXX XXXX that had all of my direct deposit that I have earn. 
I need access to my founds and this organization had stolen. robbery literally
Product: Credit card

In XX/XX/year> my card was reported late because my bank account was frozen, when i called avant they did not update my new bank information so autopay still came out of my old bank account. i submitted the letter from the bank showing it was frozen and closed due to a fraud alert and submitted many disputes to have it updated on my credit. it is illegal to report a customer late for something that was an agent error
Product: Debt collection

I went through the pre-qualification process on XXXX to see if I qualified for a loan. The site said it would have no effect on my credit. I gave them my personal information in order to see what I qualified for. Immediately I started receiving a barrage of phishing texts and emails telling me to sign documents or give my bank account information to receive payments from what looked like various payday loans, but some were personal loans with extremely high intrest rates. I did not engage further with these companies. Most of these calls, emails, and texts stopped within a few days. But " NET PAY Advance " attempted to take XXXX $ from my checking account just a few days later. They are harassing me with calls, texts, and emails telling me I am late on payments for a debt I never took out and there is no record of. XXXX XXXX XXXX recognized this attempted charge as fraud as payday loans are illegal in my state of residence. They stopped the charge, and I advised me to close my checking account. But now Im receiving emails and calls about other debts I don't recognize, offers for large loan amounts that sounds like scams, and hard pulls on my credit report that I never initiated. I think this company is engaging in fraud and or identity theft.
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 XXXX XXXX XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Debt collection

I notified Convergent Outsourcing to cease communication and informed them of invoking my consumer rights pursuant to 15 USC 1692c ( c ). They have violated my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly XXXX and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : I want that you take a look at this account and figure out why there're in my credit file with multiple inaccurate, errors and mising information. 
It would be great if you send me the new report detailing the deletion. 

XXXX XXXX Account number : XXXX Opened Date : Equifax XXXX Opened Date : XXXX XXXX Inaccurate Open Date must be deleted inmidiatly. 

Account status : Equifax reports : OPEN XXXX reports : CLOSED Inaccurate account status must be deleted inmediatly. 

Payment history : Equifax reports : no payments XXXX reports : charge-off Missing payments history account must be deleted inmediatly. 

Also this account obviously has been open in a period of time where I been living in a shelter since XXXX until XXXX. 
Please see attached Residency letter from shelter. 

Theres a picture of the deletion of this account from XXXX  as proof of they are using the right method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 a credit card account with XXXX XXXX XXXX was fraudulently opened in my name. I learned of this account after receiving a collections notice from XXXX XXXX XXXX ( a collections company ) requesting payment. I do not, nor have I ever, held an account with XXXX or XXXX XXXX  doing business for XXXX. I have not, nor have I ever, authorized use of my name or personal information for incurring a debt with XXXX or any other debtor. 

Upon speaking with a XXXX XXXX XXXX representative, I learned this account was created on XX/XX/2015 and a purchase was made in the amount of {$990.00} in XXXX XXXX, CA which I have no knowledge of. The past due balance after no payments were made is {$1100.00} as advised by XXXX XXXX XXXX. The address on the account is not, nor has it ever been, my residence. I learned of this address from the XXXX XXXX XXXX agent and she advised it is XXXX XXXX XXXX, XXXX, TX which is an address I am not familiar with. I did not, nor have I ever, made a purchase via XXXX in any manor or a purchase in, or shipping from, XXXX XXXX, CA. I have tried numerous times and numerous numbers ( listed below ) to reach XXXX and every representative has said this account is non-existent and will not give me any further information. I have tried in excess of 17 different phone numbers ( or transfers ) for XXXX and have reached no resolve. In addition, XXXX will only give information after providing the email address on file to which I do not have an email on file with XXXX. 

The fraudulent account is showing on all 3 of my credit reports and hindering my ability to get a mortgage. I have spoken with XXXX XXXX XXXX which was the collections agency associated with the account and they determined the account was fraudulently opened and removed their reporting from my credit history ( see attached letter ) ; however, I can not get anyone at XXXX to acknowledge this account even exists or to remove it from my credit report. 

My resolve would be to please remove this account from my credit history and provide a letter in writing either by email or mail stating such intent. I certify the representations made are true, correct, and contain no material omissions of fact. 

XXXX Numbers I have contacted, but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I have made numerous attempts to enter into IBR repayment plan towards PSLF. My loan service was switched to Mohela in XXXX of XXXX and I was placed on the " SAVE '' repayment plan. Due to pending litigation, MOHELA placed my in forbearance. Since then, I have tried to enroll back into an IBR repayment plan. I submitted Income Based Repayment Plan Request in XX/XX/XXXX. Mohela did not process. I submitted two applications in XX/XX/XXXX and Mohela did not process. I received a letter from Mohela 30 days later that confirmed my IDR request was recieved, but when I check back to studentaid.gov it states that my application is closed. I submitted another application XX/XX/XXXX and it shows under review. 

For the past few months, I have not been credited towards PSLF forgiveness because I am in forbearance. Additionally, I have been denied an important home loan/mortgage, because I can not verify my payment plan for my bank because Mohela will not process my IBR repayment plan request. 

I have called Mohela daily for weeks regarding this issue. No matter the time or the day, it is impossible to reach an agent. I call first thing in the morning and get in line for a return phone call. IF I get return phone call it is anywhere from 3-6 hours later. Then I talk to an agent who merely confirms my personal and account information and tells me I need to speak to an " advance agent. '' I am then transferred to another automated line with wait times for the same time frame or longer. Sometimes, the automated line gives me the option to press 1 for a return call. Sometimes it does not. When it does not give me the option to press 1 for return call, I wait on hold for 1-2 hours as long as I can without disrupting my job duties. But, often I have to end the call because I can not spend hours on hold. When I do have option 1 for return call, I several more hours for return call. Most of the time I do not get a return call. I have received one return call with over weeks of trying. The advanced agent I spoke to essentially told me that their processing times are delayed with no further insight or resolution. 

I just want to resume payment under IBR repayment plan so that I can : ( 1 ) remain on track towards PSLF forgiveness and ( 2 ) have written documentation of my payment plan for loan purposes. 

This has been a nightmare with no end in sight.
Product: Consumer Loan

I purchased XXXX $ in furniture from a store that stated 90 day no interest and 20 % interest after the 90 days I filled out a credit app and the store stated I was approved for the XXXX left the store with my new furniture and a store receipt were the store employee wrote my account number on it and a phone number to call if I had any questions when I called 9 months later after paying XXXX per month the company that answered my phone call was American first finance and stated to me that my contract stated 120 % interest and my remaining balance was XXXX I never signed a contract at the store so I requested a copy from AFF and when I received it I discovered my signature had been forged on the finance contract and obligated my to terms I knew nothing about I filed a police report and submitted everything to AFF fraud Dept and the stated it was not fraud and still call me everyday requesting payment and refuse to try to work out this issue
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS ARE REPORTING NEGATIVELY AS COLLECTIONS ON MY CREDIT REPORT DESPITE NOT HAVING ANY MONTHLY HISTORICAL DATA AT ALL. THIS IS CLEARLY INACURRATE REPORTING. These accounts must be removed immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX & XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an ongoing battle with Experian for over a year, today XX/XX/2023 I tried again to speak to a rep due to my score dropping, I had no idea what the rep was saying his XXXX was awful, all I managed to understand was " your score went up '', I am not a brain surgeon but I was taught - means negative, Experian once again said they could not help me, I waited for another rep hopefully who spoke better XXXX and he explained again my score " went up '', I wish I could send a screen shot of the XXXX in red, also I see as acounts age they have less impact on scores, I have XXXX accounts from 6 years ago that have nowhere near of a less effect, its funny XXXX and XXXX report are all correct, Experian is awful, their customer service is a train wreck, why do they have people who speak horrible broken English talking to the American people about something as important as our credit scores? they seem to have the power to adjust them at will with no accountability,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recent had a n alert on my credit file that I had a collection account for Diversified Consultants. This was for an old XXXX bill for an old address that was suppose to have been cancelled. XXXX failed to cancel the service in XX/XX/2017 when i requested due to my family and I moving out of state for work. 

I just received another promotion at work and will be moving again, so instead of arguing over the old bill, i paid it after being assured that this would be taken off of my credit reports. I made the payment about a week ago and was told it would take 4-5 for the account to be removed from collections. Well today the account updated as paid, so I contacted XXXX again in reference to the collection account they sent to Diversified Consultants. I was again assure that this would be removed from my credit reports if I called up Diversified Consultants directly. 

I called Diversified Consultants and the rep told me that they will not remove the collection account, they will only update it. So after some back and fourth, I am back at square one. I have paid a bill that i should not have, because I did not owe it, however wanted it off my credit reports so I paid it anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was sent to the credit bureaus stating that the payment is past due and delinquent. I've attached paperwork directly from XXXX site shows that it's current. This mistake has severely dropped by credit by 144 points. I've always had great/excellent credit. I just need this to be corrected with all the three ( 3 ) credit bureaus.