23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2009, I was notified of a default judgment against me by XXXX XXXX XXXX. I then went to court and filed paperwork based on the fact that ( 1 ) this is not me, and ( 2 ) I was never notified of any debt from XXXX XXXX. 

For many years thereafter, I would get a letter from a collection agency stating that I owe this and need to pay. I would then respond that this case was dismissed and I do not owe anything and I am not the correct person. They would not contact me again. However, they would sell this supposed debt to another agency under false pretense that I did owe the debt. Then I would have to do this again and again each time. 

I received another letter last XXXX from Resurgent Capital Services located in XXXX, SC. I responded that I do not owe this debt because I am not the same person, and this case was dismissed entirely. They did not reply. 

Then early this month, I received another letter from Resurgent Capital Services trying to collect this debt. However, this RCS is located in XXXX, MI. And they attached a copy of the default judgment that has no effect given the default was set aside and the case was dismissed. The purposely left out the fact that this case was dismissed and tried to trick me into thinking there was a judgment against me.
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 15 USC 1681. 

Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

These Accounts was charged off on XX/XX/XXXXXXXX  and XX/XX/XXXX. Since then the accounts has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. XXXX, XXXX, and Trans Union has failed to investigate these accounts properly and their neglect has violated my rights. I am demanding a deletion on the Follow Accounts : XXXXXXXX XXXX XXXX Account Number : XXXX / XXXX Account Number : XXXX / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$10000.00} XXXX XXXX {$3400.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$160.00}
Product: Debt collection

This letter serves as a formal notice of dispute regarding the accuracy and verification of certain accounts listed on my credit report. I have identified discrepancies in the reporting of these accounts and request that each creditor provide detailed verification of the following items : Amount Owed : Verify amounts of {$15000.00} and {$9100.00} across the accounts and ensure consistency with payment records. 

Date of First Delinquency : Confirm the timeline of delinquencies, including the first 30-day delinquency as reported.

Date of Last Payment : Provide documentation supporting the last payment dates prior to charge-off. 

Payment History : Clarify the escalation of delinquencies to 150 days past due by XX/XX/year>. 

Method of Verification : Detail the process of validation, including original creditor agreements and account records.Please provide all requested documentation and verification within 30 days of receipt of this notice, as required by the Fair Credit Reporting Act ( FCRA ). If any of the information can not be verified, I request that the disputed account ( s ) be corrected or removed from my credit report immediately.
Product: Credit reporting

these inquiries on the bureaus do not belong to me, I have submitted paperwork and they did not remove the inquiries after multiple disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XXXX XXXX, XXXX XXXX  XXXX XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX DEPT OF EDUCATION / XXXX Reported : XXXX XXXX, XXXX DEPT OF EDUCATION / XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1800.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Product: Debt collection

I noticed several accounts on my credit report that appear to be added without my knowledge. Please take steps to block and remove these fraudulent entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report an account with XXXX as an open account when in fact it is closed and has been removed from my credit report by the other credit bureaus for reporting inaccurate information.
Product: Credit card or prepaid card

On XX/XX/2020, I received notification from Chase to call their Fraud Department to verify a suspicious transaction. 

At that time, I spoke with a representative to confirm that I never made a purchase at {$1.00} at XXXX and have never made a purchase on that website in my life. ( I don't even own an XXXX or any other XXXX-branded products. ) He then told me it would be necessary to close out my account ending in XXXX and that a new card would be issued in 7-10 days. The new card ( now ending in XXXX ) arrived within the week. 

Today, XX/XX/XXXX, I received a letter that the fraud investigation has been completed and the original amount has been charged back to my new account ending in XXXX. The stated reason : " You have received benefit from this transaction. '' What?!?! 

So now I am being charged for a transaction which Chase previously flagged as suspicious and then, upon confirmation that I did not make it, subsequently closed my account due to this fraudulent charge - only to charge me for it 3 months later.
Product: Student loan

On XX/XX/2023, I applied for the SAVE IDR plan on myfedloan.gov. I was approved for this plan at a $ XXXX monthly payment and my information was sent to MOHELA. 

On XX/XX/2023, I was placed on an " Administrative Forbearance '' by MOHELA. MOHELA has not placed me on the SAVE plan and has not provided any reason for not putting me on it. Interest has continued to accrue on all of my loans, despite the fact that I am qualified for the SAVE plan and this interest should not be accruing.
Product: Student loan

I am currently on  the REPAYE plan payin g $  XXXX  and my recertification application is due  XXXX / XXXX /  XXXX  . FedLoan Servicing is my loan servicer since I currently participate in the PSLF process.  FedLoan sent me message in FedLoans  paperless inbox on  XXXX / XXXX /  XXXX   requesting I send in my application to recertify my income fo r REPAYE. I  complied and submitted my recertification application to studentloans.gov on  XXXX / XXXX /  XXXX  .  FedLoan  acknowledged receiving my REPAYE recertification request on  XXXX / XXXX /  XXXX   stating they would inform me of any problems . FedLoan did  not tell me there were any problems with my recertification. On  XXXX / XXXX /  XXXX   I logged into my  FedLoan accoun t and viewed my new billing statement which claimed I now owed {$3600.00}. I received no paperwork regarding a new REPAYE payment amount nor any information regarding the status of my recertification application. I calle d FedLoan o n  XXXX / XXXX /  XXXX   and was told that my REPAYE recertification application was sent " too early '' and that it was closed out without any notification to me. The phone rep stated she would forward the matter to her supervisor and they would work with a loan servicer to remedy the issue. However, the phone rep indicated this is a lengthy process and I  may lose a month of payments toward PSLF. I f this issue is not rectified then I will owe an impossible payment of over $  XXXX . I had no way of knowing that my recertification application was sent too early as I was only following the directions of FedLoan Servicing to recertify my IDR plan in  XXXX .
Product: Debt collection

I noticed this account is on my credit report. I filled dispute with the credit bureau, the collection agency verified the debt to the credit bureau, so then I wanted them to verify this to me and the following is what has happened. 1. On XX/XX/XXXX I requested from Portfolio Recovery, signed application & statements for the above referenced account. ( ATTACHED ) 2. On XX/XX/XXXX Portfolio Recovery responded requesting I sent the request for substantiation to XXXX XXXX XXXX XXXX VA XXXX. On XX/XX/XXXX I resent the original request from XX/XX/XXXX to XXXX XXXX XXXX XXXX VA XXXX ( ATTACHED ) 3. On XX/XX/XXXX I  received statements from Portfolio Recovery, however they were sent with out the signed credit application, so I responded back you on XX/XX/XXXX requesting signed application ( ATTACHED ) 4. XX/XX/XXXX I sent another letter advising Portfolio Recovery the address on the statements is an address I have never lived before and requested a fraud packet from them ( ATTACHED ) 5. On XX/XX/XXXX again Portfolio Recovery sent me the same letter sent on XX/XX/XXXX instead of sending me the fraud packet I requested on my previous letter to them on XX/XX/XXXX ( ATTACHED )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters disputing accounts that are reporting inaccurate on my credit report and all I get is the same results from the e-oscar system as verified and accurate. I'm at a point where i will file to sue in the small court against this company due to inaccurate reporting information.
Product: Debt collection

XXXX XXXX XXXX continuously emails attempts to collect a debt to XXXX, this email has no association with my business with XXXX and they have now disclosed balanced info to a third party without my permission
Product: Payday loan, title loan, or personal loan

Today, XX/XX/2022, I was applying for a loan with AmOne on their website. www.amone.com After I entered all my information it took me into the account of a different individual that I do not know. None of my information was connected to this person.
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system, and noticed a plethora of inquiries that I do not recognize, and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. 1 ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Transunion 2 ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Transunion 3 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Transunion 4 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Transunion 5 ) XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Transunion 6 ) XXXX XXXX XXXX XXXX XXXX Transunion, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX TRANSUNION, XXXX, XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Experian 's Non-Compliance with FCRA in Handling My Credit Report Disputes Complain : I am writing to file a formal complaint against Experian for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). 
Details : Failure to Investigate Disputes : On XX/XX/year>, I submitted a formal dispute to Experian regarding inaccuracies in my credit report. Despite providing all necessary documentation, Experian failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Lack of Procedure Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Experian did not provide this description within the 15-day timeframe mandated by the FCRA. 
This lack of compliance has caused significant distress and potential financial harm. I urge the CFPB to investigate Experian 's practices and enforce adherence to federal regulations to protect consumers like myself.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On Saturday, XX/XX/XXXX, I attempted to make an online purchase. Citi card arbitrarily declined the purchase. They notified me via test message at XXXX Saturday, asking if I made the purchase with a request for a response back in the text. I responded that I did indeed make the purchase and was notified that the card was cleared to make the purchase again. I did so later that night and again the purchase was decline. I called citi card 's XXXX number and spoke to XXXX who was unable or unwilling to assist me and refused to connect me to a supervisor, but instead put me XXXX in the fraud dept. XXXX, also unable to assist did agree to put me through to her supervisor, however this is doubtful as the person I was connected with did not clearly give me her name, and as an apparent retaliatory power move, put me on a 22 min hold of silence, never returning, until she finally pressed a series of approx 5-6 numbers and ended the call. I then connected to Citi online and reached XXXX through the messenger. I explained to XXXX my issue with being unable to make this purchase several times and now having to wait additional days for my much needed purchase to be delivered due to Citi continuing to decline this purchase that I have repeatedly told Citi representatives that I DID make. XXXX assured me that " everything was good '' on Citi 's side " rest assured ''. So today I once again attempted the purchase and once again DECLINED!!!. I called the XXXX number again tonight, twice, and was disconnected because I could not understand the representative 's broken English. I have been an excellent customer since XXXX, always paying my card off and never delinquent. I need assistance in getting this rectified immediately. Thank you
Product: Debt collection

this company, Portfolio Group, at XXXX calls me repeatedly with different numbers claiming I owe a debt for a bad check from 2010. I have asked for them to provide proof of debt via US mail and they respond that they will be sending a process server to my workplace and will notify my boss and serve me and sue me.
Product: Credit reporting or other personal consumer reports

About 10 months ago XXXX did not pay all my taxes.I disputed it with them and they finally agreed they were wrong.I lost XXXX points on my credit score because of their ineptitude.In XXXX my tax collector sent me a notice that taxes werent paid, i contacted XXXX and they said they dont have to pay that portion of my taxes.That is totally wrong on their part, they must pay all taxes on my mortgage.This is the second time they have been wrong and i loost another XXXX points on my credit report and if they dont pay the taxes by XX/XX/XXXX i will be delinquent..I want them to fix this once and for all. 
The XXXX points loss is due to XXXX saying i was in conflict with them.
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 15 USC 1681. 

I told Transunion, and XXXX to reinvestigate these accounts : accounts : Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransunionAccount name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXAccount name : XXXX XXXX XXXX XXXX .Account nameXXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX ..However, they stated everything wascomplete and accurate. But how is that possible if the open date, date oXXXX XXXX XXXX XXXXXX/XX/XXXX, activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize them and am unaware of their origins. As per USC 1681g, I formally ask that they be removed within 15 days. Please find the enclosed documents for your review
Product: Debt collection

XX/XX/2023 I disputed this with XXXX  requesting certain documents after 30 days waiting for the documents requested and under 15 US code 1692G they failed to provide me the documents I requested, but simply validated the information without providing me proper documentation
Product: Credit reporting or other personal consumer reports

I had a past due XXXX  account that went to their collections - XXXX XXXX. 

I paid all my balances in full with XXXX XXXX. XXXX XXXX sent me an email certifying I do not owe any remaining XXXX balance. My XXXX balance is {$0.00} and paid in full. 

Yet XXXX refuses to update their records. XXXX claims I still owe {$190.00}. Transunion says I owe {$190.00}, XXXX XXXX XXXX say I owe {$510.00}. 

When I contact XXXX they say contact XXXX XXXX their debit collector. I contact XXXX XXXX and they say my balance is {$0.00} paid in full they have sent over the records to XXXX  and to contact XXXX 

I have even done a XXXX way call between a XXXX XXXX manager and XXXX and still XXXX claims I owe. 

I have submitted all my payment receipts and XXXX XXXX  letter cetfirying I have paid my balance and XXXX  refuses to update their records to show a {$0.00} balance. They say wait 30 days for them to update I wait nothing gets updated and I call back and start the process over again. 

The remaining {$190.00} was paid back on XX/XX/XXXX yet XXXX has not updated their records and my XXXX credit reports to reflect paid closed {$0.00} balance. 

Because of this I am being denied opportunities for housing, loans, and anything credit related because my reports show a past due XXXX  balance even through I paid it. 

Everytime I call into XXXX they say they have no to see my account and payments so then I email the documents payment receipt and evidence and they still dont help. 

XXXX also responds with no they cant reopen my account and I never asked them to reopen my account I will never use XXXX  again I want them to update my balance to XXXX and my XXXX credit reports so I can get an apartment. 

My last communication with XXXX says they will update all my records once I pay my account off with XXXX XXXX. I have done that and waited and XXXX new update records still show {$190.00} even after my waiting since XX/XX/XXXX. 

I do a credit report dispute with each credit agencies and I wait 30 days for their report for them to come back and say XXXX has verified my past due balance is correct even though I showed them the payment receipts and certification. How can I owe if there is a payment receipt for it? XXXX refuses to update their internal records so when the credit bureau contacts them they keep saying yes I have a past due balance when no I dont. 

I am stuck in a circle and XXXX  refuses to help. 
XXXX XXXX has been amazing to work with and everytime I call they document it and reach out to XXXX  yet XXXX  still doesnt update anything. 

This isnt fair I paid off my account and XXXX is still penalizing me with a past due balance on my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> Transworld Systems Inc. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  PA XXXX Subject : Debt Validation Request To Whom It May Concern, I am requesting validation of the debt referenced by account number XXXX. Please provide : Proof that I owe this debt, including the original creditor and balance. 
Copies of any signed agreements or statements. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX