23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Two issues:
1. I did not receive the right to verify debt, and
2. Debt collector falsely reported XXXX accounts to credit reporting which has lowered my score.

I have asked them in writing, and via phone, to remedy this.
Product: Credit reporting or other personal consumer reports

I sent a copy of my FTC identity theft report and requested information to be blocked from my credit report under FCRA-605b and the credit reporting agency failed to comply
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 9 months since I have been going back and forth with Equifax over several accounts, bankruptcies, reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Equifax but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX XXXX # XXXX, 2. XXXX XXXX # XXXX, 3XXXX XXXX  # XXXX, 4.XXXX XXXX XXXX # XXXX , 5. XXXX XXXX # XXXX.There also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Equifax has clearly violated my rights as a consumer under sections 605b, 609, and 611. These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Equifax and will provide if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Investigation Request Letter To Whom. It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. I would like if you can investigate all these hard inquires on Transunion, XXXX, XXXX Transunion has 12 hard inquires that i can only voucher for 6 and the other are fraudulent XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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  XX/XX/XXXX Please these are fraudulent inquires please remove from my credit report
Product: Debt collection

I sent a letter on XX/XX/XXXX to Target requesting a 1099-c for the amount written off for {$830.00}. The acct was closed in XXXX. I have since not received any correspondence to date, as of XXXX regarding the 1095-c or any updates from the company.
Product: Debt collection

We went to court around XXXX, before COVID-19 started. I was trying to recover from XXXX and XXXX XXXX. The original Creditor is XXXX XXXX in which XXXX XXXX  had shared my XXXX records to ( XXXX XXXX XXXX ) without my permission and going against the ( HIPPA ) Law ... I will be sending information in the mail of what he sent me apart of my union bill that explains the work I had done.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting

I was interested in refinancing my home. I was contacted by telephone by XXXX XXXX, an employee of XXXX XXXX XXXX in XXXX, CA. I explained to XXXX XXXX that I had previously applied for a refinance loan with a company call XXXX XXXX which gave me misleading information, untrue information and generally did n't know what they were doing. XXXX XXXX assured me that would n't happen with XXXX XXXX XXXX. XXXX XXXX asked me a few questions regarding my finances and personal information, but when he asked me for my Social Security number I informed him I do n't give my Social Security number over the phone because of privacy issues ; I had been a victim of credit card fraud in the past. XXXX XXXX told me he could n't give me any accurate rate information without my Social Security number and that he could not proceed in giving me an accurate interest rate quote. I never agreed to apply for a loan with XXXX XXXX XXXX and in fact I was only shopping for interest rate information because of my disillusionment with XXXX XXXX. XXXX XXXX said he would email me an introduction letter and some other mortgage information. I checked my Equifax credit account, as I usually, do because of being a victim of credit card fraud and the leaking of information on XXXX and XXXX XXXX XXXX. I noticed a " hard inquiry '' by a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXXThey do credit inquiries for XXXX XXXX Loans. I never authorized, consented or had any knowledge that XXXX XXXX XXXX was going to do a " hard inquiry '' on my credit history which you know can affect credit worthiness of the consumer. I disputed " hard inquiry '' above with Equifax and was promptly told that I would have to contact XXXX XXXX. I did so and was told by XXXX XXXX I had to contact XXXX XXXX Loans, which I did. I received no explanation for their checking my credit history other than I must have applied for a home loan, which I did n't. Now Equifax is doing nothing to correct my credit history and has ceased investigating the issue leaving it to me. This seems a violation of the Fair Credit Reporting Act.
Product: Mortgage

I was behind on my mortgage & called Dovenmuehle Mortgage to arrange payment, they refused any payment & stated that I was too far behind to acept what I had to give. I told them I would do what I could & call back as soon as I had the full amount that they had told me. Two days later I had that amount, I called to make the payment & they said that I needed to pay approximately {$400.00} more since they had sent it to foreclosure. This same thing has happened to me before with them where I got behind & they said one amount & I was able to collect it & called in to pay a few days later & it was sent to foreclosure & needed more money. I understand I was behind but this is the XXXX time they have done this to me where I get all the money that they tell me that is due after they refuse to take any type of partial payment to help bring the balance down & then when I call back in they want more. As well as just about every rep that I have ever spoken with at that company is rude, condescending, callous, uncaring & make you feel like you are stupid & feel bad about yourself or your situation if you get behind.
Product: Checking or savings account

On XX/XX/XXXX I received information via email on a Wells Fargo account that had a balance of {$0.00}. I have not had an open nor active Wells Fargo checking or credit card account opened for years. When I spoke to customer service they advised that a checking account was opened on XX/XX/XXXX. Once I was connected with the Fraud department they investigated the account and deemed that it was " Fraud '' and closed the account. This also allowed them to delete my online banking information. The fraud specialist advised that they were unable to tell me how this happened. When I check my XXXX account and other credit resources, there is no unusual activity. Now, on XX/XX/XXXX I received an email from Wells Fargo welcoming me to their online banking. Since the last incident I constantly keep tabs on my credit and unusual activity. There has been no unusual activity and Wells Fargo fraud specialist continue to classify this as possible Fraud. Now an investigation will be happening again. In this process the account statement that was sent on XX/XX/XXXX was sent to a previous address and forwarded to my new address. I have been in my new address for a year now, which they have on file from the previous claim. Wells Fargo is unable to identify and explain how thorough their process is and only communicated by mail on general identity theft claims.
Product: Debt collection

I am frustrated with your bureau 's inaccurate reporting of a late account. Despite the bank 's confirmation of inaccurate information and an agreement over the phone, your compliance is overdue. 
Account Details : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Inaccurate Reporting : XX/XX/XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wife received phone call from XXXX XXXX claiming an old XXXX bill was owed. She advised them please send all billing statements from the first time the account was opened so we could go over what bills were paid and what bills were not paid. Associate claimed they would send the information so we could verify the billing was correct. We moved all lines from XXXX XXXX or XX/XX/2018. All numbers were ported to XXXX with all phones from XXXX being paid off ... .. XX/XX/2018 XXXX placed collections account on Credit report without verifying information. XX/XX/2018 Sent a verification of debt letter to XXXX XXXX and disputed claims with all 3 credit bureaus. Three credit bureaus came back as information was verified. nothing received from XXXX. Mid XXXX after the 30 Day sent another letter for XXXX to respond within 15 days ( allowing 45 days for them to send billing information ) ... .. Today is XX/XX/2018 Nothing has been received from the credit collections company. This has already been sent back to XXXX once before due to another collection agency being told and shown it was paid off. I want this removed from the credit report and all three bureaus updated. XXXX XXXX, XXXX and Experian all used the actual E-Oscar Verify which always shows an amount is verified.
Product: Checking or savings account

We sent an ACH to a company XXXX  XXXX XXXX and XXXX XXXX on XX/XX/2023 in the amount of {$13000.00} the beneficiary was stated as XXXX XXXX XXXX and XXXX XXXX but Trustmark National Bank paid the money to a personal account and not to the beneficiary as named. It turns out the companies account was hacked and a fraudulent email was sent requesting payment to this account. as the beneficiary name was not a match the funds should have been returned and not delivered. the bank has to take responsibility to verify the company name just like on a check. My bank can not pull back the money without the receiving bank sending it. this is fraud and Trustmark Bank should have flagged it and not paid it.
Product: Student loan

In XXXX of XXXX, I stopped making payments on my student loan because of the COVID19 Pandemic. It was my understanding that under the CARES Act, Navient would not charge me with any Interest. I stopped paying Navient after my XX/XX/2020 payment was processed. At that point, I was CURRENT on my Student Loan. 

Between XXXX, XXXX  and XX/XX/2020, Navient did not MAIL ME as single letter. I've asked them dozens of times to use the USPS and not my email or phone, etc.. My profile currently says " Not signed up to receive emails ''. AGAIN, I DID NOT HEAR FROM NAVIENT FOR MONTHS, I ASSUMED I WAS COVERED BY THE CARES ACT AND THEY DID NOT SEND ME ANYTHING TELLING ME THAT I WAS NOT COVERED BY THE CARES ACT!!! NOT ONE PIECE OF MAIL!!!!!! 

I submitted a payment of {$150.00} on XX/XX/2020 and Navient applied it 100 % of the payment to Interest! Then on XX/XX/2020, they added an additional {$230.00} to my PRINCIPAL as Capitalized Interest. 

Navient told me on a phone call that my Student Loan is a FFELP Loan that is currently owned & serviced by Navient. After  researching my options online, I requested that the ownership of my loan be transferred over to the Department Of Education. Once the " ownership '' of my loan is transferred to the Department Of Education, Navient will still service my FFELP Loan, but I will be eligible for Interest FORGIVENESS under the CARES ACT. 

THIS IS A SCAM!!! NAVIENT SHOULD BE " COMPELLED '' TO EXPLAIN TO EACH CUSTOMERS WHOSE FFELP THEY " OWN '', THAT THE LOAN CAN EASILY BE TRANSFERRED TO THE DEPARTMENT OF EDUCATION!!! 

100 % OF MY PAYMENT WENT TO CAPITALIZED INTEREST DURING THIS GLOBAL PANDEMIC!!! MY TOTAL LOAN BALANCE ACTUALLY INCREASED BY {$230.00} AFTER I MADE A {$150.00} PAYMENT. 

MY COMPLAINT : When I stopped paying Navient on XX/XX/2020, they did not send me a single letter! Also, Navient should be COMPELLED TO TELL CUSTOMERS THAT THEY CAN BENEFIT BY HUNDREDS OF DOLLARS BY SWITCHING THE " OWNERSHIP '' OF THEIR LOAN TO THE DEPARTMENT OF EDUCATION! 

NAVIENT IS MAKING BILLIONS OF DOLLARS OFF THE BACKS OF HARD WORKING AMERICANS LIKE ME!!! INSTEAD OF BENEFITING FROM THE CARES ACT, CUSTOMERS LIKE ME ARE PAYING THOUSANDS OF DOLLARS TO NAVIENT FOR NO ADDITIONAL BENEFIT ... .. 

NAVIENT DOES NOT PROVIDE ANY ADDITIONAL " SERVICES '' TO CUSTOMERS LIKE ME. FOR ACCOUNTS THAT NAVIENT " OWNS '', THEY SHOULD BE FORCED TO PROVIDE SOME ADDITIONAL SERVICE OR OFFER SOME BENEFIT THAT JUSTIFIES THE {$380.00} THAT THEY JUST CHEATED ME OUT OF!!! 

THE CLOCK IS TICKING, NAVIENT TELLS ME IT CAN TAKE " 100 DAYS TO CHANGE THE OWNERSHIP OF MY ACCOUNT '' WHAT A SCAM!!!! 

If you have an FFELP ( Federal Family Education Loan Program ), call Navient and ask that the " OWNERSHIP '' of your account be changed to " Lender : U.S. Department of Education ''. Go to the website they provide and make the EASY CHANGES!! Wait 100 Days and NAVIENT CAN NO LONGER STEAL FROM YOU!!!!!!!!
Product: Credit card

This bank has no issue placing hard inquiries on my credit report but keep sending me letter saying they ca n't verify me. I have mailed twice to the fraud specialist that they give people in customer service when they receive this letter and she has not once e-mailed, mailed, or called me! No one in customer service has ever allowed me to verify anything, send in documents, nothing and my XXXX credit report is up to date and verified and monitored by me daily! 
I have also made XXXX complaints to your office and each time the bank has wrote in response to you that they think my identity has been stolen and that is why they have denied my application. That seems interesting since the information on the application matches my credit report, I 'm calling saying it 's me applying, I 'm offering to send in verification, and I have filed XXXX Consumer Financial Protection complaints that they are not fairly processing my application and yet they give you the same XXXX answers they provide me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the credit bureau in XXXX of XXXX. The complaint has still not been resolved and it is now XX/XX/XXXX. I have sent multiple letters and have also emailed the XXXX office and the CEO. No one has responded.
Product: Debt collection

this debt was disputed and not validated XX/XX/2016 -- while it was at sunrise collection it was reported on this site case # Case number : XXXX ] sunrise could not validate the debt and ceased collecting ... it seems as if they have now sold this same debt to XXXX XXXX XXXX -sw ref # XXXX -- XXXX XXXX i told them that this debt had already been disputed and never validated from the last collection agency -- - i asked them to provide the contract for this debt -- they say they have a bill ... a bill is not proof that this debt was incurred ... the fact that sunrise collections sold this to another credit agency, knowing it was not valid- is illegal.. and for XXXX to keep collecting on this invalidated debt- a violation of the law ...
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

I have medical debt that was sent to Capital accounts LLC for collections. I disputed this account on XXXX and XXXX in turn Capital Accounts sent me a verification letter of someone else. Multiple pages with someones name, address, birthday, social security number, account numbers, drs office name, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Form 1099-C requirements XXXXt account XXXX has been illegally reported on my consumer report ; Form 1099-C must be filed regardless of whether the debtor is required *to report the debt as income*. ( and is therefore not a debt but income ) However the debtor has reported this account as debt but remarked and/or reported the account ( for months ) as charged off ( i.e. 1099-C filed ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On the collection on XXXX XXXX.keeps changing dates & .year to become a recent transaction. Information on dates are incorrect
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Publishing of Listed addresses : XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

In 2015 a car showed up on my credit that does not belong to me. My identity was wrongfully used to get this car. i do not own this car nor have I ever did. Its showing that the car is $ XXXX behind in payments.
Product: Debt collection

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX officially blocked and removed the erroneous bankruptcy information in my consumer file after I disputed the erroneous bankruptcy information. on XX/XX/2023. On XX/XX/2023, I disputed the bankruptcy information with Experian, XXXX, and XXXX and each has yet to remove the information or even respond to my dispute. XXXX claims that they verified the information with the 3rd party vendor ( XXXX ) of public information and that is obviously not true since it had been deleted and removed from my account over XXXX days prior. That is a direct violation of 15 USC 1681.
Product: Debt collection

On XX/XX/XXXX I received XXXX letters in the mail from a law firm by the name of XXXX XXXX XXXX. This is the first time for me to receive notice of SUMMONS OF CONTINUING GARNISMENT. Case noXXXX Civil Action file noXXXX XXXX XXXX is constantly filling lawsuits against me since the beginning of the Pandemic. Since my devoice in early XXXX, I have been struggling to pay off old past debts. The Pandemic started in XXXX and caused me to go under in debt even more. The account was under collection along with other accounts all under one collection company ( XXXX XXXX XXXX ). For each collection account they have on me, they are suing me. I can not breath for having to try to make court and try to negotiate, and now they want to garnish my only means of income, when I am still trying to recover from sick leave and unemployment benefits when Covid was at a all time high. I am currently working now but yet being targeted by the fear of loosing my job, because of garnishment.