23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Like many others, as a consumer, I absolutely do not feel like I have the power to control what is reported on my credit profile. People just put items on your report, and we have to spend time, energy and money to get it taken off! I am very diligent in getting my profile corrected. The Credit Bureaus have a responsibility to report correct information and its not fair when they do not! I have been disputing one particular account, for well over a year. My first dispute letter to Ad Astra was sent XX/XX/18! I have NEVER signed a contract or agreed to an account or affiliation with Ad Astra, but they keep reporting on my credit report and failing but failed to provide a copy of any alleged contract or other instrument bearing my signature. 

I am appalled and disgusted with all three bureaus as well as Ad Astra. They have all failed to verify any debt, as required by law. I have sent multiple letters to each bureau and Ad Astra as well. Ive sent almost 10 letters to resolve this! The bureaus have failed because they continue to just send back responses saying the account is verified.

Both Ad Astra and each of the bureaus have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am requesting that you demand that the description of the procedure used to determine the accuracy and completeness of the information is provided by Ad Astra or they delete the negative information from my report. They should NOT have another 30 days for this! I expect it within the next 7 days! Theyve had over a year! 

Additionally, please ask them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I am again, formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount to Ad Astra. 

Be aware that I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate, incomplete and represents a very serious error in reporting. I am maintaining a careful record of my communications, should they continue their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, and they are all liable for their willful non-compliance. 

The law demands them to provide such documentation or the company/bureau are required to delete. I am requesting you have them to delete this debt, immediately from all three credit reporting agencies, XXXX, XXXX XXXX and XXXX, as per the law! Please find copies of my letters and company responses, but not validations or anything bearing my signature.
Product: Credit reporting or other personal consumer reports

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any items featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter 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 card or prepaid card

In XX/XX/XXXX I applied for an American Express Delta Airlines Skymiles credit card from a promotion that was mailed to me. The promotion was XXXX. I still have the mailer that was sent to me which expired on XX/XX/XXXX. The terms of the promotion were that by spending {$2000.00} on the card, XXXX miles would be applied to your Skymiles account. Spend another {$1000.00} ( {$3000.00} total ) within the first 3 months of card membership and receive an additional XXXX miles ( total XXXX miles ). <P/>I contacted customer service and requested an investigation. The Case # is XXXX. after several weeks of not receiving a response I called Customer service today XX/XX/XXXX at around XXXX EDT and the agent informed me that I did not meet the spending threshold. When I protested, she said she " misspoke '' and then informed me that I had actually applied to a different promotion that awarded XXXX bonus miles. How I could have applied for a different promotion is unclear since I applied through the number that was in the mailer with my skymiles card number. <P/>I believe I was misled by American Express and have cancelled my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THAT XXXX  XXXX HAS ELECTED TO SUPRESS MY CREDIT FILES AS DEAD SINCE XX/XX/2015. IN VIOLATION OF F.C.R.A. 15 U.S.C. Section 1681g, FACT-ACT AND THE DODD FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. ( XXXX  REFUSING TO ANSWER CFPB 623 TIMES.

THE FOLLOWING FURNISHERS OF TRANSUNION DATA ARE PROBILTED TO PULL MY CREDIT FILES FOR ANYONE.WE WILL BE FILING A XXXX XXXX DOLLAR PUNITIVE CLASS ACTION LITIGATION LISTING, XXXX XXXX XXXXXXXX, SAGESTREAM LLC, XXXX XXXXXXXX XXXX, XXXX XXXX..AND 68 ACCOUNTS AND PUBLIC RECORDS CURRENTLY REPORTING ON XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history for XXXX XXXX is inconsistent. See attached reports. 

XX/XX/2018 XXXX says late '30 ' XX/XX/2018 XXXX says 'ok ' XX/XX/2018 Experian says '30 ' Account was never late
Product: Credit reporting or other personal consumer reports

On my credit report it states that the original credit is The Receivables Management and was opened in XXXX. But it also shows an open balance as of XX/XX/XXXX. I have never done business with this company so do not know if this debt is mine or what it is in reference to.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

XXXX XXXX XXXX XXXX - Timing of payments ( 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 XXXX ( b ) XXXX required with each billing cycle is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Debt collection

This company credence resource management has a negative collections account reporting on y credit file that I have no knowledge of from XXXX. I first submitted a dispute through the credit bureaus XX/XX/2020. Credence sent me a letter dated XX/XX/2020 stating they received notice of the dispute and would be ceasing collections unless they received/ could provide validation of the debt. I have yet to receive validation from the credit bureau or credence resource management. I opened a dispute directly with credence on XX/XX/2020 again to resolve, they acknowledged the receipt of the dispute via email but still has failed to provide proof and has maintained the negative reporting on my credit. Im in the process of buying a home and this is damaging to my credit profile. By law they were given 30 days to verify or remove the acct and they have failed to do so.
Product: Credit reporting or other personal consumer reports

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 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 The following personal information is incorrect, Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Received debt collection notice XX/XX/22 Advised it was no balance owed. 

They promised to look into it Never contacted me Increases amount owed every month No this is owed by me at all Seems like fraud cover up tried to deposit money into my account after I disputed account to justify that I owed it. Wrong account. Had already grossly impacted my credit worthiness.
Product: Credit card

Ensuring prompt payments has always been my practice on this account, and I have never experienced delays. I am unsure about the reasons behind reports of late payment remarks on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  ( XXXX ) This account was opened in XX/XX/XXXX XXXX last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting XXXX XXXX  re-aged the account to show closed on XX/XX/XXXX as a Charge off.

I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.
Product: Credit reporting or other personal consumer reports

I tried disputing the XXXX inquiries and I also spoke to a Transunion specialist. He told me to contact CFBP to get these inquiries removed. That is why I am here.
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  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.
Product: Mortgage

I got a HELOC with Spring EQ on my home to pay for some home improvements. The HELOC was sold to Shellpoint ( Newrez ). Immediately after Shellpoint got my loan, someone else was able to access my loan and began to move money around. I alerted Shellpoint ( Newrez ) that I suspected fraud, and they confirmed they found fraud. Someone had been taking money out of the loan and driving up the {$50000.00} loan to over {$88000.00}. Shellpoint can not or will not explain what happened and is still allowing money to be moved in and out of my account without my knowledge or permission. I am attaching a letter I received from Shellpoint acknowledging they found fraudulent activity, and what looks like a correction. However, that correction is not reflected in their system and the amount I owe them keeps changing, getting hirer and hirer. No one at Shellpoint ( Newrez ) can explain any of it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), EXPERIAN is required to provide accurate reporting. I have informed EXPERIAN that all the inquiries listed on their report are fraudulent. By law, the company had four days to remove these fraudulent items. An FTC fraud report has been filed on behalf of the consumer. The consumer is now requesting EXPERIAN to provide the documentation used to verify that the inquiries were authorized by the consumer. EXPERIAN has 15 days to provide the name of the individual contacted, the documentation reviewed, and evidence of authorization. If it can not be confirmed that the inquiries were authorized, they must be removed immediately. Additionally, EXPERIAN is obligated under SEC regulations to follow specific rules. The companys XXXX XXXX XXXX is XXXX. Further related entities include XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MI, XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ), XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA, XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX ), XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  NY, XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX ), ( XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX CA, XXXX ), XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX. The consumer intends to file Form 211 and Treasury OMB forms to audit their account. Despite securitizing the consumers data, XXXX has refused to provide a copy of the consumers FULL FILE ( distinct from the consumer report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I an requesting this procedure in case of disputed accuracy.

15 U.S.C. 1681 Section 602 : States I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

Can you please reinvestigate the accuracy and completeness list of accounts below : Account XXXX XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following account and inquiries were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your prompt action to remove this information : Fraudulent Account : XXXX XXXX XXXXXXXX XXXX XXXX - XXXX - {$7200.00} Fraudulent Inquiries : XXXX XXXX  XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 ( a ) accuracy and fairness of credit reporting, I am making a complaint regarding the inaccurate reporting on my credit report by XXXX XXXX XXXX, XXXX, XXXX and XXXX. There is no evidence of pure accuracy reflecting of XXXX XXXX XXXX from XXXX, XXXX and XXXX. Neither account opening dates, balance amounts or general account reporting reflect pure accuracy from all 3 credit bureaus. Correspondence was sent to XXXX XXXX XXXX regarding opting out per 15 USC 6802. XXXX XXXX XXXX account also shows on the credit report as a charge off. Per IRS Publication 4681, Charge offs on the credit report are certificates of indebtedness which become income and possibly taxable. Income can not be reported to my credit report. I am also filing a complaint on the Department of Education/Aidvantage and all 3 credit bureaus for the student loans reflecting on my credit report, per the Family Educational Rights and Privacy Act ( 5 USC 522a , 20 USC 1232g , 34 CFR 99, and Federal Trade Commission . Per 15 USC 6802-6805, I have exercised my right to opt out of reporting. Per 16 CFR 313.1 ( f ), I have exercised my continuing right to opt out of reporting. Per 15 USC 16819 ( a ) accuracy and fairness of credit reporting, I am also filing a complaint against XXXX, XXXX and XXXX for not providing pure accurate information regarding dates, balances or general consumer reporting for XXXX. Per 15 USC 1681 ( a ), I am also filing a complaint on XXXX XXXX XXXX, XXXX, XXXX and XXXX for inaccurate reporting of account. Credit Report does not reflect pure accuracy of information.
Product: Student loan

Student loans transferred on  XX/XX/XXXX , {$13000.00}. Utah  Higher Education Assistance Authority  added ( {$13000.00} ) to my outstanding balance above. See attachments. All  four  loans fixed interest rates are   XXXX   %.   1.  XX/XX/XXXX -balance {$2000.00} ( monthly payments ( {$31.00}  )  unsub loan 2.    XX/XX/XXXX -balance   {$2200.00}  ( monthly payments ( {$33.00} ) sub loan 3.    XXXX  - balance {$4500.00}  XXXX   monthly payments ( {$63.00} ) unsu b loan 4.  XX/XX/XXXX - balance {$2400.00}  ( monthly payments ( 37.05 )   sub loan Monthly principal payments on each individual loans plus the accrued interest is added. Paying more towards each principal balances are not being applied correctly towards all four loans. There 's know way my accured interest is higher then each individual loans. They are applying my extra principal payments towards interest that I have not been accured yet. I have repeatdly ask them to correct my payments and apply my principal payments to the principal balances. My  XXXX  payment in  XXXX  of {$340.00} was applied towards interest and not towards my principal balance. On  XX/XX/XXXX , I wanted to pay off loans (  XX/XX/XXXX  unsub ) and (  XX/XX/XXXX  sub ) I was told I could not pay off my student loans individually in full and that the payment would apply towards the entire balance. I toldd them that I had the right to pay off my small loan balances. The representative said its their policy to split my monthly payments towards each loans and that if I paid both those dollar loan amounts it would not be applied towards thos e two loans  but split payments towards all loans leaving both loans outstanding balances. Where does it say or state that a graduate student is n't allowed to pay off some of their multiple loans? Also I requested that my standard repayment pay off debt be changed from  XXXX  to  XXXX  so that these loans could be paid off sooner. Also refusing to send me copies of all paper work they received from  XXXX . I have not received any statements they received that itemized my all my payments since  XXXX - XXXX . Overall, my monthly payments are not being applied correctly and monthly accrued interest is being over paid when I have not missed any payments since Utah  Higher Education  Assistanc e Authority a ssumed my  four  students loans.
Product: Student loan

I was constantly harassed with 20+ calls a day back in XX/XX/XXXX about how I need to attend their College until I finally got so fed up, I fell for their sales tactics and signed up for college in a degree program that I never was able to use. I was promised half my school would be paid for being a single parent, I was promised a job after graduating, neither of which ever happened. I had no idea what I was getting myself into but they were very good at selling me " the dream ''. Once I graduated I had almost {$70000.00} in federal student loans for an XXXX XXXX! When, if I wasn't harassed with numerous phone calls almost every 10 minutes everyday until I answered, a XXXX school in my town offers the exact same degree for {$7200.00}. Then when I graduated I was a single parent with low income. There was no way of making the huge monthly payment and then at the time became XXXX  for almost a year. They constantly called me and I explained my situation that there is no way I can afford any of this, I told them I am XXXX  with low to no income and they didn't care. They kept talking me into going into forbearance and not explaining to me what that meant. I remember asking numerous times what " forebearance '' meant and they would explain it buys me time with {$0.00} payments to get my life together. Never once explaining that it affects my credit, and not once ever explaining there were Income based repayment options until so much damage was done to my credit I can't have a future. They don't understand that when you aren't a professional in deal with loans, normal everyday people have no idea what they are talking about. Finally after 5 years I finally called and told them they have to do something because I will never be able to afford these payments and wanted information on forgiveness. As of XX/XX/XXXX, they finally explained this Income Based payment program and I could not believe they didn't put me in this years before. I am currently in this program now and my income is so low I make $ XXXX monthly payments. My life is not going to change, I'm almost XXXX, raising my kids, and it's not like I'm ever going to use my {$70000.00} XXXX XXXX to get some amazing job like XXXX promised me. I'm trying to take out loans to buy a family car for myself and my sons but keep getting denied because of the bad marks on my credit score from Navient not correctly explaining what programs would best help my life and my situation. I need help from someone so hopefully in the future I can have my financial life back together and provide for my children, or at least other people need to be warned about this. I wish I never answered the phone when XXXX University was harassing me with non stop calls, voicemails, and giving me sales pitch after sales pitch back in XX/XX/XXXX about how I needed to trust them and enroll in college today! It has ruined my life.