23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I spoke with Equifax and requested the removal of several fraudulent accounts. Within minutes of my request, one of my account a that was in face accurate was removed and the fraudulent accounts still remain. I asked how was it at all possible to remove an accurate account in minutes and the other accounts that are in another name still remain and they said that they had to investigate the fraudulent accounts further. This made no sense. If this were the case, the account in my name would have remained as well. I have been fighting this battle with Equifax for months and it is clear that they do not abide by the FCRA Regulations and moving forward I will have to contact the attorney generals office. I provided all documents required to prove my identity and in fact that these accounts are in a different name and yet, they remove the accounts that are in my name and leave the fraudulent ones. I am demanding that these accounts be removed and my accurate account be reinstated. Furthermore, these fraudulent accounts were removed and then reinserted and I was told that this was an error and they would immediately be removed. I am very aware that the immediate removals are possible as my account was immediately removed so. I demand the same be done with the fraudulent accounts. Any account that is not is my accurate name is to be removed. Not accounts that look or sound like my name or close to it. No inaccuracies are to be reported.
Product: Credit reporting

I 'm writing this complaint because I have an account on my credit file that is not correct and should not be reporting. The collection agency XXXX XXXX is reporting an account for XXXX for the amount {$590.00}. I do not owe this amount to XXXX before leaving all accounts was paid in full. This account is reporting to be open in XXXX or XXXX, so this is why I do not have any receipt to show my zero balance because I was not aware they would just not in XXXX put this false information on my credit file. Please I 'm requesting this account be removed and I also have disputed this account multiple time with the credit bureaus and they are not doing a proper investigation. Just because they can verify information does not prove I owe any account balance. What I do not understand why they choose to wait until this year to report this inaccurate information. Also I have had this account deleted before from another collection agency. I file a complaint previous with all XXXX credit bureaus on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to pull my report through the annual credit report site and got this error message ( see Experian ) Also attempted to pull my XXXX  report and it does not work via the annual credit report site. They give the same error message they give when I tried to dispute an item via their main site. ( The complaint about their main site is in a separate complaint ).
Product: Debt collection

Once again someone is trying to collect a XXXX debt that is not MINE. They are trying to COLLECT from a XXXX XXXX XXXX ... This is NOT Me. This is the forth time I have reported this ... It goes away for a few months and a NEW Debt Collector comes back. I NEVER had a XXXX account. PLEASE MAKE IT STOP. I have submitted all necessary paperwork to the creditor and still no resolve. I am done providing them this information as it is a waste of time.
Product: Debt collection

I have a debt collection on my account for {$800.00} that was originally for XXXX, the charge has since been written off to the company Jefferson Capital Systems rendering the collection to longer be my responsibility > Persuant to 18USC 8, I owe no debts. This company is breaching my consumer privacy rights pursuant to 15USC 1681b 2. The company is not authorized to report any info using my detail as specified in 15USC 1681 4 <
Product: Debt collection

Ars LLC says I owe {$200.00} from XX/XX/2020 I am unaware of this account and I have had this removed from XXXX and XXXX  credit bureaus, but XXXX  says they did an investigations as well as XXXX  and XXXX  and this charge belongs to me according to them. 

Please have these removed from my XXXX  credit report as they do not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Experian continue to report an alleged collection. I have not validated this debt or have I been sent any information to verify this debt is mine. Experian is being paid by XXXX XXXX XXXX to report this information to cause me harm and damages. Since the two are using my information to make profits I am entitled to be paid. Furthermore there is no contract between me and XXXX XXXX XXXX so it would be illegal to even make claims against me as I have the right to contract with whom I want in commerce. Just because the contract is transferred does not mean all rights to said contract is transferred therefore I refuse to pay this alleged debt and demand it be removed.
Product: Debt collection

I never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each XXXX are listing something different. I sent a debt validation on XX/XX/2020 to XXXX and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to XXXX on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020XXXX XXXX  results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from XXXX XXXX ONLY.
Product: Debt collection

Wells Fargo, past due account. Never ever had account with them. They call every day
Product: Debt collection

My employer and family members are getting repeated phone calls from MRS associates. My father specifically has been receiving multiple phone calls a day from them and has been informed by someone at there office that I currently have an outstanding debt which is a violation of my rights. This debt has not been verified and I feel harassed and embarrassed that my private information is being shared with others.
Product: Vehicle loan or lease

I bought certified pre-owned car at a dealer. They recommended Santander Consumer USA bank to get loan from. Interest rate was very high, that 's why I decided to pay more than specified in documents. I have consulted with bank itself that I will not have any issues or fees or anything paying more than specified. For the last 4 month bank has messed with : 1. My last name. I was not able to pay. They did n't respond & fix until I escalated an issue. 2. I still have incorrect last name in web app, as they ca n't do anything with it. 3. On XXXX I was not allowed to pay using ACH, only certified funds, because " You have paid too much ''. Yes I want to pay my debt in 1Y. I told that from the beginning. 4. Payment on XX/XX/XXXX was not partially applied towards principal even though I asked that ( " please use {$220.00} as regular payment for XXXX and {$1200.00} apply towards principal '' ). 5. I asked SECOND time in XXXX to do that the same manner. 6. In the middle of XXXX I found that I 'm PAST DUE. Even though I paid XXXX in XXXX, My regular payment is {$220.00} per month. My due day is XXXX of each month. My first payment was scheduled to be on XX/XX/XXXX. I keep track of all payments in XXXX file. Specifically to track this kind of fraud from banks. So these are my payments ( I have not included transaction numbers, but I have it ) : Date Amount Transaction No 1.XX/XX/XXXX {$1000.00} XXXX 2. XX/XX/XXXX {$1000.00} XXXX 3. XX/XX/XXXX {$1000.00} XXXX 4. XX/XX/XXXX {$1000.00} XXXX 5. XX/XX/XXXX {$500.00}? ( did n't write ) 6. XX/XX/XXXX {$1500.00} XXXX 7. XX/XX/XXXX {$1200.00} XXXX I always ask to use money following way : what is exceeding regular payment should be applied towards principal. The last payment made on XX/XX/XXXX was not applied at all towards principal. So I wrote SECOND time in XXXX. First, I 'm 99 % sure they EITHER did not apply {$220.00} for the last payment of {$1500.00} ( the one I asked to be even though I requested that ) OR possibly they applied it TWICE towards the same month XXXX. The last 1 % - I made a mistake and asked something incorrectly. For that last 1 % - bank has not notified me at all that this will happen. In addition to that, they said I 'm 19 days past due. Even though I paid on XX/XX/XXXX, which is 12 days past due! This is surreal and unacceptable. This all looks like fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a member of Experian credit reporting. Before I was a member I requested that they " freeze '' or lock my account due to all the fraud that was going on. 
On XX/XX/2022, I requested to have the automatic payments deducted from my credit card stopped. I wanted to pay another way. 
They cancelled my account because they did not want to accept any other form of payment. Then I received an e-mail stating that my account has been unlocked because I am not a member any more. Attached is e-mail. 
On XX/XX/2022 I sent a letter to Experian in XXXX XXXX, CA asking to solve this problem by freezing my account. Attached is copy of letter. 
As of today I have received no response. 
Please help my to solve this problem.
Product: Debt collection

On XXXX report dated XXXX/XXXX/XXXX Midland Funding LLC has post an account XXXX in collections for {$790.00} due XXXX XXXX XXXX I do not have or have had such an account. The only XXXX account I ever have had and it is paid as of XXXX/XXXX/XXXX account XXXX and the limit was {$650.00} and this was closed after paid in full. I assume that this business is making accounts to collect from individuals. I called XXXX and gave them the information I have from the credit report and no information was available and they requested my social security number and because I do n't know this business I refused. I request this Midland Funding remove the fraud information from my credit report. I have filed a complaint with the credit reporting service. I do not owe this business, company or any one related to such nor XXXX. Request Midland Funding , LLC remove the information from all credit reporting services. 

Request this business send the original copy of the contract with my signature, date opened, original limit, list of payments and the mailing address ( s ) on record. This copy must have the return address of the business name and the address for acceptance. 

I assume I will have to file a small claims action to have this business explain how they accessed my credit report and how they came up with a fake account listing XXXX. The listing reference this business is a Debt Buyer whatever this may be. 

I DO NOT OWN THIS MIDLAND FUNDING , LLC OR CITBANK ANY MONIES AND HAVE NO OPEN ACCOUNTS AND REQUEST THIS BUSINESS STOP CONTACTING ME NOW OR IN THE FUTURE AND REMOVE THE INFORMATION FROM THE CREDIT REPORTING SERVICES.
Product: Credit reporting or other personal consumer reports

I am writing to address the recent notification I received from your office regarding the verification of certain items on my credit report associated with the account number XXXX. Specifically, this pertains to items reported by Credit Acceptance Corp. I kindly request that you provide me with detailed information about the verification process for these items in accordance with the Fair Credit Reporting Act ( FCRA ) .response within 15 days or delete the trade-lines
Product: Money transfer, virtual currency, or money service

I was using the chime to anyone feature to send {$400.00} to my friend using their phone number. No name was shown before sending, just the phone number. I guess someone had my friends number previously and never updated it when it was no longer theirs because AFTER hitting send it shows up an account belonging to XXXX. I immediately requested it back. My friend received the request for the money but not the money. I disputed the transaction with chime and they denied it. This is clearly a major a flaw in how their system executes these transfers and I'm sure this has happened to many other people. For whatever reason they feel no need to fix it. The name should have absolutely been displayed before sending, not after.
Product: Student loan

From the very beginning my loan servicer has been deceptive and taken an approach that has guided me towards bad decisions, including avoidable deferments and forbearance 's that were not explained. I assume this sales-ish approach is geared towards growing their fees and interest charges - and eventually their principal. I accept some responsibility for not being better educated on the subject. However, when I ran out of remedies, I was guided towards remedies that they said would only be available in default. Now that I 'm in default, I see what an awful decision that was due to fees. They also transferred lenders from American Education Services ( which is owned by Pennsylvania Higher Education ) to, none other than Pennsylvania Higher Education so that they could recapitalize fees and unpaid interest, and then charge yet another round of fees and interest on the increased principal. I do n't know if this extremely deceptive practice is legal, but it should n't be. It certainly is n't ethical to conduct a slight of hand that unfairly grows the principle amount without my knowledge. 

I feel like every stage of this process has been deceptive, misleading, and designed to gouge well-meaning borrowers like myself. I find myself stunned that any of this is legal. I borrowed about {$27000.00} for school, and now I 'm on the hook for {$41000.00} because they guided me towards default programs that charged me 19 percent up front to be treated like vagrant. And unless I can somehow pay the whole thing off, it 's going to keep growing. 

Yes I fell behind. But I had a long period of unemployment and have only recently gotten back to normalcy and a reasonable income ( which works against me apparently ). I just want them to slow the wage garnishment process because I know that EVEN MORE fees are coming with it. I am working on a way to pay the balance an roll it into a mortgage on a family home at a better rate, but it takes time. And the more they grow their piece of the pie, the more impossible this remedy becomes.
Product: Debt collection

Jefferson Capital is asking for debt that I do not owe. They state in the letter that my debt is with a company, I called the company in question who said I dont owe anything. When I called Jefferson Capital they were asking me for personal information. This is obviously a scam.
Product: Credit reporting or other personal consumer reports

I have told XXXX the law says it is illegal to report transaction history. I have relayed that information to the Credit Reporting Agencies as well. Per the CFR, Fair Credit Reporting Act and the Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several requests to XXXX, XXXX  and Equifax for them to report the correct information. They are reporting my name incorrectly and reporting addresses that do not belong to me. The following information is repoting incorrectly. 

Equifax has my name as XXXX XXXX my name is XXXX XXXX I am a man not a woman. 

XXXX  - XXXX XXXX ( my name is XXXX XXXX ) Addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  - XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX ( my name is spelled XXXX XXXX ) Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The only infomation that should be reporting is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

I was told I met the criteria for my child support to be used as income for my mortgage and that I was preapproved for a mortgage. I provided statements showing I received consistent funds from the exhusband then was informed that because he provided me with more than detailed in my divorce settlement, I did not qualify under the FHA guidelines. ( Which was odd because I was applying for a conventional because it cost less. ) When I called them out on it, they then " took back '' their preapproval/Letter of Commitment and said that because his name is on the account with restricted access, deposits only, no balance notification or withdrawal privileges, that " I 'm done ''. They will not write a mortgage for me. It 's my social, my account for the house I live in and all of my bills. When the mortgage person found it too challenging to pursue underwriting 's decision, he baited me with a question as to whether I had EVER paid any of my ex 's bills with that account, my reply was yes, I used his XXXX XXXX account ( which at that time I was a co-owner of ) and I repaid the amount I charged. Apparently that was all this mortgage guy needed and ceased all efforts on my behalf and has since refused to provide me with any communication.
Product: Debt collection

Pioneer Credit Recovery , Inc contacted me about my ex husbands debt. We have been divorced for 7 years and I have no financial affiliation with him at all. The phone number they called from is XXXX ( XXXX ) XXXX and the call back number they left in the voicemail is XXXX. They were trying to shake me down using scare tactics to get me to pay money that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not Liable for this debt with XXXX XXXX, I DO NOT have a contract with MONTEREY COLLECTION SV. They did not provide me with the original contract as requested. According to 15 USC 1681 a 2 they must have written authorized permission to furnish those accounts on my credit report. They are in violation as I have not provided this permission. 

I have also filed complaints with the Federal Trade Commission as well as the XXXX XXXX XXXX regarding this matter
Product: Credit reporting or other personal consumer reports

I've contacted the original creditor ( XXXX XXXX XXXX ) and all 3 credit bureaus Transunion, XXXX, and XXXX about inaccurate information that they're continuing to report on my credit reports. 
Please Verify and Validate all data for the account, every notation, dates and balances whether reported or not. I've been ignored and is in violation of my consumer rights according to the FCRA. This account needs to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All 3 credit bureaus are reporting incorrect dates of when the account was opened, and the amount owed. I would like to be provided with proof of where and when the vehicle was RESOLD and the amount it was sold for. According to FRC section ( 609 ) if you have no proof of any one, I would like it removed immediately. I would like an update mailed to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I've been trying to access my online Transunion online credit report for several months now and I've been through with IT and their supervisors to no avail. I have to physically call Transunion and have a copy shipped to my temporary work address. I understand that I have the right to access, view and dispute my credit report if the services are available online. Please refer to images, I don't even have access to my old credit reports. I have no physical proof of what is being reported by Transunion for several months. The last hard copy I received on XXXX and this is not even reflected as an old report I can request/view via Transunion 's online portal. ( This is outlined on their website )
Product: Money transfer, virtual currency, or money service

The loan was initiated under a misleading pay-to-work scheme. The purchase date was XXXX and the loan ID : is XXXX on Affirm. I was invited to a Zoom phone call where I was told to pay a " XXXX deposit fee '' out of my own pocket. The people in the XXXX call proceeded to make my Affirm account to make this purchase, I had never used Affirm to purchase anything before this day, and Affirm should be held accountable for allowing fraudulent purchases such as this on their platform. I also had to show my ID and social security number for them to request a loan under my name from Affirm for a total payment of USD XXXX to buy into the " opportunity '' to work with the company. They made me sign a contract under pretenses. Many people have fallen victim to this company including me they opened a loan under my name and asked for XXXX qualified calls ( which consists of closing a deal from someone who makes XXXX and lives in the US/XXXX is willing and able to invest, and shows up to the appointment ) to receive a refund, they are making you put XXXX more people into the exact position that you are currently in and I refuse to do that to anyone else. and there are no exceptions for a refund they take your money and leave you with a loan payment for XXXX  months, Here is their website. ( XXXX )
Product: Credit reporting or other personal consumer reports

The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, XXXX and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate, investigation/reinvestigation into every aspect of any delinquency XXXX derogatory data aceused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus @ damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. 
Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

Date filed- XXXX XXXX Reference # XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' laccuracy and a maximum " possible '' completeness, which extends Ito the reporting mandates that there be no deviation from XXXX Format compliance since, per the CDIA, DNP 3-4 " Any deviation from these standards jeopardizes the integrity of the data ''.

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to o o this important matter is requested in order to comply with federal law.

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