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

On XX/XX/XXXX I received an automated letter from XXXX in regards to an investigation for a dispute I submitted XX/XX/XXXX and I received a letter from Experian for the same account on XX/XX/XXXX for The account " XXXX XXXX XXXX XXXX '' account # XXXX which is showing on my credit profile ( s ) as a prior charge off and a paid in full account. 

As stated in both my Certified letter as well as my original CFPB complaint. This creditor listed should no longer be listed on my credit report for the following reasons : 1 ) This creditor is WELL PAST the statute of limitations in which the account was open and held in which is in the state of Nevada. In Nevada the LAW states that the Nevada Statute of Limitations is 4 years and no longer. XXXX and Experian have made it a POINT to indulge and participate in " Unfair Business Practice '' by clearly knowing this information and being notified of this information multiple times and still choosing to undermine the law and keep this file on my credit report even though it's past the Statue of Limitations.

2 ). Under FCRA 15U.S.C. 1681p Transunion and Experian has failed AGAIN with obliging with FCRA LAW 3. ) XXXX and Experian have now " verified and updated '' this account multiple times meaning that the information they publish on my credit report is INCORRECT, because by fact and knowledge if record was initially correct then there would not be a need to " update '' information. Also attached you will find copies of both credit reports showing different information for this account! One states that this account was only open for 1 month and XXXX is showing from XXXX which proves Verification from Both parties is fraudulent and information is clearly incorrect. Please note that by partaking in this corrupt business tactic, XXXX and Experian have ALSO breached FCRA 15U.S.C. 623 which states : A furnisher of information ( XXXXExperian ) must NOT furnish inaccurate consumer information. So Both Creditor ( XXXX XXXX and XXXX ( XXXXExperian ) have deliberately obliged in Unfair Business Practice and Trade. 

I also requested NUMEROUS amounts of time a COPY OF THE METHOD OF VERIFICATION AS WELL AS A COPY OF " VERIFICATION '' ( Meaning a hard copy of contracts with WET signature or any documents proving and showing that this account is correct, in which I HAVE NOT AND NEVER RECEIVED ). 

With this information being on my credit report and remaining it has now caused me a great deal of LOSS and Emotional stress and damage. I am sending this complaint in as FINAL record of my consumer right to take the necessary steps to get this discrepancy and incorrect information off of my Credit report and getting it properly resolved, prior to forwarding this ongoing issue to the Attorney General 's office.
Product: Credit reporting or other personal consumer reports

have not supplied proof under the doctrine of estoppel by the silence XX/XX/XXXX XX/XX/XXXXXXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XX/XX/XXXX {$25000.00}, XX/XX/XXXX {$11000.00}, XXXX XXXX XXXX XXXX XXXX {$12000.00}.
Product: Credit reporting

There is an address showing on my personal information in which I 've never resided and I 'm very concerned. 
XXXX XXXX XXXX, NY XXXX
Product: Debt collection

Midland 's Attorney did present actual evidence from the original creditor. And Midland is relying on their own custodian of records. I am a XXXX XXXX on Social Security and Midland is threatened to take my money. I am destitute with no assets, and not even sure of the debt.
Product: Debt collection

On XX/XX/2022 I was served in XXXX, XXXX by a XXXX being sued by Roosen Varchetti & Oliver, on behalf of XXXX XXXX XXXX XXXX XXXX. I called and explained that XXXX 's owes me for the payments that I had for a year on the furnature and broken TV that they delivered to me that was of course torn up, broken, and infested with bed bugs and XXXX cockroaches, which was an absolute nightmare to get rid of, XXXX 's gave me a 36 month warranty on anything covering the products I got from them but upon calling numerous times with complaints of total dissatisfaction and demanding replacements and remediation for the bug infestation that they had inflicted upon my family and my house, and the damage they did to my house upon delivery, they continuously gave me excuse after excuse of how they were taking care of it, which never happened. I paid for an entire year for items I couldn't use and finally spoke to a store manager after my last payment and he told me to stop paying on the stuff, that he wouldn't put up with it and if there was something he could do to remedy the situation, he would do it for me. Back to the law firm/Deb collector XXXX, they tell me the account is not with them, they transfered it back to XXXX 's XXXX even though I never heard from or of the lawyer until my summons on XX/XX/2022. I called XXXX 's and they told me that another third party collector had the account, so I called them and they told me XXXX 's had the account, so I called XXXX 's again and they told me that XXXX had the account. So I called XXXX again and spoke to yet another foreigner rep and they told me they didn't have to account and I told them yes they do because I just got served by the XXXX being sued by them, they transfered me around 5 times and finally I spoke to yet another foreigner that said yes, my account is with them and I can settle with them for a slightly reduced amount, and I told them I refuse to pay anything, that I have pictures, bills, and no product from XXXX 's after paying for a whole year for @ {$6000.00} worth of damage. I told them I was going to counter sue for the damages, the destruction of my once great credit, and for the breach of contract by XXXX 's for not adhering to their no hassle 36 month warranty. What do I do from here, I really don't have time or patience to deal with these " XXXX XXXX '' artists anymore or their bottom feeding collection/lawyer agencies. I gave them a year of payments and chances to fix the situation, of which they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I looked at my Experian credit score which have been the same for about two weeks now of a XXXX. I was told by a mortgage broker that she could probably get me a loan for a home whats the score of XXXX or higher. When she pulled her credit report for me from Experian its stated that my credit score was a XXXX. A whole XXXX points difference from what I am seeing on my app that I am paying XXXX for the past 2 years for the Experian XXXX XXXX XXXX. I pay this through XXXX it is paid automatically every month for the past two years. I am also supposed to be able to receive all three credit bureau reports via my subscription. This is not possible when paying for the app via XXXX for some reason as well. Upon finding out my score of a 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 This whole time during COVID-19 it has been a very dark time for me because I am alone. I have no one in physical form on this earth to care for me or about me and my life so this was very important to me to become a homeowner to actually mean something in society and to myself. This credit service should not be able to falsify any information of its customers. I really believed that I had a XXXX credit score with experience. Belief and hope that was almost extinguished if there wasnt someone else on the roof of the garage to talk me down. XXXX practices from a credit company should be illegal in all shapes and forms and fashions.
Product: Mortgage

We started our mortgage with Loan Depot in XX/XX/XXXX. There has been an outstanding property tax balance of {$520.00} ( plus interest now ) since XX/XX/XXXX. We have paid our mortgage on time every month and called Loan Depot almost weekly to see why they haven't processed the payment. It is now up for tax sale since they have no paid the balance ( they fully acknowledge they owe the payment and every week we are promised by 1-2 supervisors that the balance will be paid that now ). They are 4 months late and they keep promising the payment will go out today. We have received multiple tax sale notifications and they still have not paid the taxes.
Product: Debt collection

I spoke with Navient on the phone about 2 years ago and they advised they were a third party collection agency. I advised them I did not have a debt with them.Asked them to verify this debt with name and signature and they never responded. 
Currently I have been under a XXXX XXXX plan. 

Recently on XX/XX/XXXX and XX/XX/XXXX my Federal Taxes and XXXX Taxes were taken from me and applied to a delinquent debt. 

The applied debt was taken by U.S. Department of Education C/O Navient, P. O. Box XXXX, XXXX XXXX XXXX XXXX, Pa XXXX. Also XXXX XXXX XXXX XXXX  XXXX XXXX, P.O Box XXXX, XXXX XXXX, Oklahoma XXXX. 

However, this Company Navient and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, In XXXX, a third party collection agencies, never proved that I made a debt with them. I was never taken to court by either one of these two companies. I did, however, send a letter to both of them to verify this debt. I also advised them that I needed proof of debt with date and my signature on it. They could never verify that I ever made the debt with them. 

I believe this is an unjust claim for them to take my Federal Taxes and XXXX   State Taxes due to the nature of the claim. 

To resolve the problem, I would appreciate and request a full refund. 

I look forward to your reply and a resolution to my problem, I will wait hopefully for sometime in XXXX for a resolution. 
I received a phone call yesterday leaving a message without whom to contact and advising me they will be coming after my pay check. 
I need assistance as soon as possible. 

I sent letters also to My Consumer Protection Agency and My Attorney State General. 
XXXX tax was {$920.00} XX/XX/XXXX and last years they also took XXXX $ XXXX included they took my Federal Tax {$2900.00} XX/XX/XXXX
Product: Debt collection

I was contacted by Wakefield & Associates to collect a debt owed. I do not owe a debt to this company, or any company, for that matter. I am on the national do not call registry, so they should not contact me. I contacted them and attempted to get them to stop contacting me, but they did not answer my calls, as if they had blocked me.
Product: Student loan

Navient worker XXXX and his manager where very rude to me, try to threaten and force me to make a payment based off the fact they offered me a plan. I explained I could not afford it, and the manager said since you declined my offer I 'm going to note it and we will have you account turned over. He went on to say how is it there your paying your other bills but you ca n't afford to pay us. We are a private loan we do n't have to work with you are offer you anything.He then went on to say I 'm going to call your co-signer now which is my father, using my number as If I was actually calling him, the manager attempted to call my dad. He returned and said he left a message and that we both need to get money together and pay. If I had any kind of work I should know the day I should be paid and I can just pay them then, I asked if I could defer my payment he never answered my question but continued to be rude and say I had no other option but to tell him a date and he could take the money out of my account.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

I pulled my credit port this month XX/XX/XXXX and noticed there was a credit collection for a medical bill on my account. The item appears to be a medical collection agency. I have never had any dealings with this company nor Accounts. Ive never given them permission to post anything on my credit report. The account on Experian does not have an account number. This error has lowered my credit score and caused undo stress. Also the CFPB ruled Medical Bills CAN NOT BE PLACED ON CREDIT REPORT on XX/XX/XXXX. I have written countless times to Experian about these errors on my account! To add insult to injury, the name of the company is XXXX XXXX XXXX XXXX Tx Pa The date is XX/XX/XXXX. 
The amount is {$500.00}. 

Please see attachment
Product: Credit reporting or other personal consumer reports

this company reported on my credit report XXXX of 2022 i have had multiple calls from collection agencies demanding money from me that and threating to add collections to my credit report i have told XXXX XXXX multiple times that i did not authorized or create an account with them i provided them with police reports in the fraud claim i have filed with them and its still effecting my credit report.
Product: Debt collection

I have never had this company in my name. This says it has been open since XX/XX/2017. I have had XXXX for over 2 years. There is no way that this could be my debt. Company has not sent proof that this was done by me. Only thing that I just recently received was a settlement letter. I am not paying for something that I have never had in my name. They are saying I owe {$500.00}.
Product: Credit card or prepaid card

Placed order XXXX with Nordstrom Rack for a total of {$110.00} for three pairs of shorts. Received one soft package with one pair of black shorts in it shipped from Nordstrom Rack location in XXXX, Florida. The packing slip claimed that three pairs of shorts should be enclosed ( picture attached ). On XX/XX/2020, attempted to contact Nordstrom Rack customer service, was number 308 in chat queue, when it became my turn, the chat was abruptly cancelled, called customer service, after on hold for 47 minutes, phone agent XXXX pretended not to hear me. Called Nordstrom card services on the same date, spoke to XXXX, reference number XXXX, disputed {$79.00}. I really have to do a lot of work to attempt to initiate/resolve such a minimal dispute that is no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # LATE PAYMENT - XXXX XXXXXXXX XXXX XXXXXXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX INQUIRIES- XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a complaint in regards To the three credit bureaus XXXX, XXXX and XXXX XXXX. 
I am also writing this complaint in regards to the companies AD ASTRA RECOVERY SERVIC and XXXX XXXX XXXX. Im having a hard time getting my information verified or deleted and under the fair credit reporting act, 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. To verify they have to have proof of an original signed contract otherwise they have no authority to report this on my credit report. I have yet to receive any signed documents that they can verify. Ive sent out two letters to dispute this information and Both times all three credit bureaus verified it. After my first round of dispute letters I received a package in the mail from XXXX XXXX XXXX in regards to my dispute and I know thats not allowed. XXXX XXXX deleted one of my accounts but the other two bureaus updated it and I dont understand how thats possible when its already deleted. I would like to ask AD ASTRA RECOVERY SERVIC and XXXX XXXX XXXX to stop reporting this immediately because they can not verify the information and the three credit Bureaus to delete this from my credit report because this is really hurting my credit score.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL, XXXX XX/XX/year> National Credit Systems XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, GA XXXX Re : Request for Debt Validation Account Number : XXXX Dear National Credit Systems, I am writing to demand the immediate deletion of any collection entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. 1681 section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified a collection entry that was inaccurately reported and must be removed. Please be advised that this letter is a formal request for validation of the debt in question, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In accordance with the FDCPA, we request that you provide the following documentation and information to validate the alleged debt : XXXX. The name of the original creditor to whom the debt is owed. XXXX. A detailed statement of the amount of the debt, including the principal balance, interest, fees, and any other charges that comprise the total amount you claim is owed. XXXX. A copy of the original signed agreement or contract that establishes my clients obligation to pay the debt, including any terms and conditions. XXXX. An itemized statement showing all payments made towards the debt, credits applied, and the current balance. XXXX. Proof of your authorization to collect the debt on behalf of the original creditor, if applicable, including any assignment, transfer, or sale of the debt. XXXX. A copy of any judgment or court order ( if applicable ) that you claim authorizes this debt or the collection efforts against my client. XXXX. Proof that the statute of limitations has not expired on this debt, if applicable, including the date the debt was incurred and the last date of activity. XXXX. Any documentation or correspondence that demonstrates that my client is the correct debtor for this account. Additionally, please be advised that under the FDCPA, you are required to cease any further collection efforts until this debt has been properly validated. Furthermore, should you fail to provide the requested documentation within XXXX  days of receipt of this letter, you are required to cease any collection activities, including reporting this alleged debt to credit bureaus. If you are unable to provide adequate validation of the debt, I trust you will immediately remove any references to this debt from my clients credit report and cease further collection attempts. This letter is being sent to you in accordance with my rights under the FDCPA, and failure to respond to this request could result in legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state agencies. Please send the requested documentation to the address listed above. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told I could not buy a house because I had a bad debt on my credit. I did not know what the debt was for as I have paid all my bills on time. After looking at the credit report I found something from XXXX  XXXX saying I owed a big debt, I didn't owe them anything and so I sent a dispute to the credit agencies ( XXXX, XXXX and XXXX ). A few months later I had gotten notice that another account for the same thing was put on my report. This new account had different information about the amount and the dates, so I knew it must be fraud. I completed an Identity Theft form and sent it to the credit agencies ( XXXX, XXXX and XXXX  ). Everyone except XXXX has removed both of these collections so I am not sure why XXXX is not doing it. They need to remove it because I do not owe XXXX XXXX and I don't have any idea why they have put 2 accounts on my credit report when I don't owe them anything. They are a fraudulent company and they should not be doing business like this. This is ridiculous and I have been working for almost a year now trying to clean my name and XXXX is not doing their job.