23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Transworld sent over several student loans to a collection law firm to collect on even though I never purchased or signed any paperwork with XXXX XXXX XXXX which I complained about to them twice. Per FDCPA, the owner of the debt must show proof that they own it before they demand any money for it. XXXX failed to send me the proof of ownership that I asked for but instead they decided to send it to a law firm where it could be sued on. I also spoke with XXXX XXXX XXXX and they acknowledged they had the loan before but none of the information was on the paperwork I received which is unacceptable. I never signed any paperwork or borrowed any money from XXXX XXXX XXXX either which they said to deal with XXXX XXXX XXXX because they no longer have the loans. I do see any ownership information from XXXX XXXX XXXX or XXXX XXXX XXXX, I received a promissory note that states XXXX XXXX XXXX and then letters from the law firm that states owner was XXXX XXXX XXXX but no explanation as to how they own this debt which is a requirement and I sent a letter asking for this information but I only received a promissory note and bills, nothing else and I asked for several issues to be resolved in the validation of debt that I sent to the law form on XXXX/XXXX/16. I did speak to a FDCPA attorney and was advised this debt is uncollectible without proof of ownership and no one can take legal action against me on this debt and it will need to be removed from my credit report. XXXX XXXX XXXX and Transworld are trying to commit fraud against me. I have the copies of all of the complaints I have against Transworld as proof. XXXX XXXX XXXX can not collect on this debt without ownership and that information must predated the day it was sent to the collections law firm.
Product: Debt collection

A company noted as " AUGUSTA COLLECTION AGCY '' is reporting inaccurate and negative information to my personal credit report. I recently submitted a complaint and a dispute with the CFBP requesting the debt be legally validated with an original signed contract and invoice detailed why and how I owe them money. The company responded refusing to validate the debt with the original signed contract and invoice which is my right as a consumer to validate any debt that I am told I owe. The company stated " We have sent verification to the consumer '' I am not requesting verification - I am requesting THE ORIGINAL SIGNED CONTRACT BY ME AND THE ITEMIZED INVOICE DISPLAYING THE DEBT BREAK DOWN. Providing a debt collection statement will not suffice! Please cease all collection activity until legal and proper debt validation is provided.
Product: Credit reporting 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 correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$1600.00} XXXX XXXX  XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of a data breach resulting in identity theft. Unauthorized accounts and inquiries have been fraudulently associated with my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized inquiry on my credit report and contacted Experian by phone. I inquired about the inaccurate posting of the inquiry on my credit and asked them to remove it. I was told that since I did not authorize it, I would have to fill out an FTC report, send it to Experian and then they would remove it from my credit report.

I followed the instructions by filling out the FTC report as well as an Identity Theft Victim Complaint and Affidavit and sent it to Experian certified mail. I also added a change of personal information letter with it, to specify how my personal information is supposed to be accurately reflecting. 

Though I was expecting a response by postal mail, Experian contacted me by email almost two weeks later with a link to view the results of the investigation. I went there, and much to my surprise they did not remove the inquiry. As a matter of fact, they added an additional address to my credit report which is inaccurate. 

I called back to Experian about the matter at this number ( XXXX ) to speak to the fraud department three different times about this unauthorized inquiry. However, it was an automated system and I was only given two options, to get a security freeze/fraud alert or order my credit report. Neither option was giving me access to the help I needed. 

I then proceeded to call Experian at their other number ( XXXX ), and after navigating through a myriad of options that did not pertain to my need to speak with the fraud department, I was able to finally speak with someone. I asked to be forwarded to the fraud department but consecutively on three different occasions I was told I was being transferred to the fraud department, but was disconnected. I called back one more different times and spoke to Experian agents before realizing that I was not going to be allowed to be speak to the fraud department. 

What recourse do you have when the company have made it so difficult or will not even allow you to speak with them to discuss the inaccurate information on your credit report? What recourse is it when you follow the laws of the FCRA and comply with the credit bureaus and they still do the opposite of what they agreed to do? 

How did they even verify that it was accurate when it is complete false and not my account. They are not respecting or honoring the FCRA, the FTC report, the Theft Victim 's Complaint and Affidavit or my rights.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Debt collection

XXXX XXXX  has been asked to provide a signed document of release of judgement for over a year since the debt has been paid. They provided an unsigned copy but have not released the judgement which is causing financial hardship as I am disabled and unable to obtain a clear title to sell my home. Several calls and requests have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed account XXXX XXXX account # XXXX showing charger off for {$4000.00}. EQUIFAX HAS NOT PROVIDE ME WITH PROOF OF ACCOUNT THATWAS SUPPOSED TO BE VERIFIED BY EQUIFAX. ALSO ITS BEEN OVER 30 DAYS AINCE I DISPUTED IT.
Product: Credit reporting or other personal consumer reports

This information was bought by a third-party and is not correct Send me all original documents with original balance with the original creditor and my signature or remove this information at once Account XXXX Credit control LLC Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT SCORE WITH EXPERIAN WENT DOWN, UP, THEN DOWN EXACTLY XXXX POINTS EACH MONTH. I CALLED THE NUMBER SHOWN ON XX/XX/XXXX TO FIND OUT WHY AND SPOKE TO XXXX. HE TOLD ME THEY CAN'T GIVE ME THAT INFORMATION AND THAT I NEED TO HIRE A FINANCIAL ADVISOR TO FIND OUT WHY MY SCORE WENT UP AND DOWN EXACTLY 14 POINTS EACH MONTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is listing unknown relatives on my report and then using their information to verify my identity. I have no relationship whatsoever to " XXXX XXXX '' or his/her spouses or addresses. She is unknown to myself and to my husband, XXXX XXXX XXXX and is not a related in any way to either of us. 
I have written to Experian and requested " XXXX XXXX '' be disassociated from my credit report. I can not get ahold of them by phone. I can not get online access because I do not know how to answer their security questions in regards to " XXXX XXXX '' as a suppose relative. 
I would like this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address as instructed on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : Previous / Incorrect Addresses 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 There should only be one address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. Please refer to the attached documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX  Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report
Product: Debt collection

On XX/XX/XXXX, I received a letter from Eastern Account System , Inc. XXXX XXXX XXXX XXXX XXXX, CT XXXX, stated at I own XXXX XXXX {$240.00}. 

On XX/XX/XXXX, I reply with a validation letter. I never heard back. 

On XX/XX/XXXX, a letter of removal of inaccurate information was sent out. Never heard back. 

On XX/XX/XXXX, a validation letter was sent. Never heard back. 

On XX/XX/XXXX, a letter of failing to verify letter was sent. Never heard back. 

Reach out to all 3 credit bureaus about the Eastern Account System, which violates the credit Act laws. XXXX, XXXX, and XXXX have ignored and refused my request to remove/delete my credit report. Due to Eastern Account System not obeying the credit Act laws.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. 

XXXX XXXX TransUnion TransUnion Account # : XXXX
Product: Credit reporting or other personal consumer reports

I've asked XXXX and EXPERIAN Credit Bureau for validation. The {$6200.00} owed by the client isn't accurate since XXXX send me a Supplemental refund of monthly service fees on closed checking accounts letter on XX/XX/2023. I've requested evidence to confirm the negative account they're reporting on my credit profile, such as an acknowledged agreement and transaction history detailing the balance calculation. Despite my requests, they've declined to provide any documentation verifying this account. Instead, they've chosen to include this unconfirmed debt on my credit report.
Product: Debt collection

after repeated attempts to contact collection company they finally called back. when I requested documentation showing this is a real and valid debt. they refused to provide it and said i had to chase it down. They are legally required to provide proof showing exactly what they are collecting for and when debts were incurred. I then told them to not call me back unless they can provide documented proof this is a real and valid debt and not some kind of scam. this XXXX XXXX then proceeded to tell me that she can call continue to call me everyday until i pay. she also told me she is going to report this on my credit report unless i pay within XXXX day. this is all without providing any proof i owe the debt. About XXXX weeks later i received another call from a XXXX who claims i never made the statement about only calling if they can provide the documents. she also tried getting me to pay without proof. i informed her that she can not contact me without proof and if they continue to harrass me i will contact a lawyer about these tactics. they were pushy and rude and i feel this is a scam to trick me out of my money.
Product: Debt collection

I was forced to leave XXXX XXXX XXXX due to unsafe and healthy conditions and notified them of such. when I moved out I owed nothing and they owed me a credit plus my security deposit. I filed a complaint in court to receive my security deposit back and received it. They then Hired a collection agency who then posted a false collections report on my credit record. I filed a dispute with the collection agency Hunter Warfield and receive no response, and I filed a dispute with XXXX. 
This is in XXXX county XXXX, Maryland. I moved out XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some inaccuracies on my credit report. During a recent review, I found late payments incorrectly recorded on my account. I kindly ask for your prompt assistance in correcting or removing this information from my report.It is essential to maintain an accurate credit history, and these late payments do not accurately reflect my financial responsibility. I believe this is an error and request your immediate intervention to correct it. I also spoke with the companies by phone, and they confirmed the need to fix this. 

Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I was victim of identity theft in XX/XX/XXXX and again in XXXX i put a fraud alert in XXXX and freeze in XXXX with all three credit reporting agencies while they investigate the matters against collections in the amount XXXX in XX/XX/XXXX and XXXX dollars in XX/XX/XXXX from XXXX XXXX XXXX. I requested debt verification in XXXX and XXXX ; I never received any proof of debt owed but this company continues to report collections on my credit report. Please help me with this matter i feel helpless for something i know nothing about. I have other collections on my credit report because of identity theft some have been deleted but this collection is the oldest.
Product: Credit reporting or other personal consumer reports

Please verify the debt as required by the Fair Debt Collection Practices Act.

I am disputing this debt because I do not owe it.

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act.

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter.
Product: Bank account or service

XXXX XXXX XXXX XXXX, North Dakota and Washington Federal ( Share ) A Secured Credit Credit Card with US Bank. XX/XX/XXXX ( Online ) I ' Applied for a Secured Visa for a College Apartment. The Website did not. record the Monthly Income Amount of Social Security XXXX Income, Public Assistance and Personal Income with Washington Federal. XX/XX/XXXXBy, Letter I Received Notice that, I was unable to be. Approved. XXXX XXXX, 2017 By, Phone ) I Updated my Information with XXXX XXXX of the Correct Income that should have been. or should be. recorded in Application for the Secured Credit Card. By,Phone ) I was told that, my my Information was Now Updated and Processing would take ( 2-3 ) Weeks. XX/XX/XXXXBy, ( Phone ) I was told that, the Processing was not. Submitted and a 'New ' Application Transfer must take place in a Reprocessing of Application for a Secured Credit Card.
Product: Debt collection

Subject : Cease and Desist Request Regarding Debt Collection Efforts Dear Caine & Weiner, I am writing to formally request that you cease all communication with me regarding the alleged debt referenced in your previous correspondence, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

I do not owe this debt. You have not sent a contract specifying a signed agreement between us which shows I owe this debt, only an attempt to collect. From this point forward, I revoke any and all consent for you to contact me by phone, email, mail, or any other means. If you are unable to validate this debt, or if you continue to contact me in violation of this request, I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please be advised that failure to comply with this request may also result in legal action against your company, including claims for damages, court costs, and attorneys fees as allowed under the FDCPA. 

This letter does not serve as an acknowledgment of the validity of the alleged debt, nor does it waive my right to dispute it in the future. 

Thank you for your attention to this matter. I expect confirmation of your receipt of this letter.
Product: Checking or savings account

Account was froze for no reason and now they will not unlock it.
Product: Debt collection

I contacted XXXX XXXX XXXX  and told them I was a victim of identity theft and I did not open a account with XXXX I was rerouted to XXXX and XXXX told me I dont have any accounts with them and my account balance is {$0.00} I contacted XXXX XXXX XXXX again and reported this information and was told they bought my account from XXXX. I have no open account with XXXX and I have never signed any contracts with XXXX XXXX XXXX and I do not owe them any money
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage lender has been unable to pull data from Equifax. They need a trimerge report, they have tried with different companies like XXXX XXXX and have unable to. I myself have tried XXXX and XXXX  and Equifax comes back as blocked. 

I have called Equifax over 3 times and they have informed me, that there is no block or security freeze.
Product: Consumer Loan

I had a car payment with Credit Acceptance Corpration. I was never late for years until I got a job transfer to New Mexico. The Credit Acceptance Corpration did not help me they made me feel I was a dead beat consumer. They finaly repo the car because I didnt want it anymore because there poor customer service and i paid them over {$10000.00} in intrest and fees and I still owe {$8000.00} and the car is only worth {$4000.00} I feel this is unfair and want them to renegotate the terms.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX have two fraudulent account appearing on my credit report I have attached supporting documentation. 


1. XXXX XXXX XXXX {$220.00} 2. XXXX XXXX XXXX {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent XX/XX/XXXX/XX/XX/XXXX{$68.00} XXXX XXXX XXXX {$950.00} XX/XX/XXXX XX/XX/XXXX {$550.00}
Product: Mortgage

Wells Fargo is not returning calls to my insurance company to rectify my mortgage insurance escrow due. XXXX XXXX and myself have even conference called Wells Fargo and no one is getting back to me or XXXX My monthly insurance escrow increase per state farm is $ XXXX/Mo NOT $ XXXX/mo that Wells Fargo is stating the increase is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$79.00} XXXX  XXXX Balance : {$170.00} XXXX  XXXX Balance : {$91.00} XXXX XXXX Balance : {$51.00} XXXX XXXX Balance : {$76.00} XXXX XXXXXXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX
Product: Prepaid card

For inaccurate reporting and failing to properly investigate in the allowed time frame by the Fair Credit Reporting Act.