23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The original debt was charged off in XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this collection post is a complete fraud perpetuated against Experian, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company.
Product: Debt collection

I have attempted to have this account removed from my credit since  XXXX    XXXX  . I have sent letters for validation a nd all I get in return is the account is VERIFIED via FCRA rules & I am instructed to call AD ASTRA. For 2 years now,  I call them give them the partial account number from my report once the account is pulled up I 'm asked to verify my social and birthday HOWEVER they are unable to discuss the account because the personal information does n't match. I filed a complaint via this website  XXXX  a nd in return Ad Astra uploaded and mailed me loan documents that did not bear my written signature HOWEVER the documents they sent did prove my point that the account does n't belong to me. Per the documents sent to me by ad astra the social is NOT mine. I sent a copy of the documents THEY sent me to the   XXXX   main credit bureaus YET Ad Astra will not remove this account from my credit file. For 2 years I have proven and they have given evidence that this account does n't belong to me. They even transferred the account to an attorney who sued me and LOST because the personal information does n't match mine. The attorney removed their listing from my report but Ad Astra will not ALTHOUGH they personally sent me information proven that the file does n't belong to me. Please just remove this from my credit report.
Product: Checking or savings account

I opened my citi bank account on Tuesday XX/XX/2024 online without any problem. I created the online username and password and everything worked as normal. I had deposited a {$37.00} check that I had and it cleared and everything. I did nothing wrong.. The following day Wednesday XX/XX/2024 I enrolled in XXXX  and and didnt have any problem with that as well my account was funded from the mobile check deposit and everything was fine. I would even log into the account to make sure everything was fine. I received a XXXX payment at around XXXX XXXX  that same day for about {$460.00} now my account has {$490.00} but still no problems with closure or anything. So a couple hours passed and around XXXX pm the same day I checked my account because I was going to XXXX  to my fiance because we needed to pay bills and I didnt have a card for the account yet to get the money off since its only been open for a day and a half. It when I login its asking for verification. Stating that a pin was changed or something on my online has changed which is a TOTAL LIE! How the heck could I have change a pin to a debit card that I NEVER received. And now XXXX cant even login to my account because I dont have the card or card number thats needed to verify!!! I need my money its literally the end and beginning of a new month so bills are due! Thats almost {$500.00} thats stuck on my account!!! So I called and tried to figure out what was going on and they kept transferring me and giving me new numbers to call! I was told by the agent that my account was going to be closed! And that I have to wait until the account is closed and I have to wait until they mail a check! I CANT WAIT THAT LONG! I need my money right now! Its so weird that as soon as I get money in my account all of a sudden I need to verify. They are falsely closing my account! I did nothing wrong! I want my money! This is going to put me behind on rent! And other bills is causing a huge financial burden for me Im literally unable to eat or do anything without that money! I called today Thursday XX/XX/2024 and was given tamer another number to call! I need my freaking money, I will never use that bank ever again after going through this!
Product: Mortgage

Due to many problems with application and closing through US Bank Mortgage, I decided to change mortgage companies within just a few months of purchasing the home. The closing with the new mortgage company was XX/XX/XXXX. I was told at closing that I would receive my escrow money back from US Bank Mortgage. 

I neglected to stop my automatic mortgage payment early enough, so the XXXX payment was taken from my checking account. 

On XX/XX/XXXX I called US Bank Mortgage, spoke with XXXX. She told me it takes about 20 days for the check to be sent to me. She said the funds taken from the additional mortgage payment would be reflected in the escrow. She offered to send me a breakdown of what the check would include. That was never received. 

On XX/XX/XXXX I went to my local branch to inquire as to the status of the check. I did not get the name of this person. She gave me an amount, which was different than the amount that XXXX gave me, and told me the check was sent XX/XX/XXXX. 

Today, XX/XX/XXXX I called and spoke with XXXX who told me the check was sent XX/XX/XXXX and the amount. When he told me the amount, it was less than I was told before. Upon questioning why, I was told the amount was for PMI. That amount was double what I should have paid and was sent after closing. I asked to speak to a supervisor. 

I was then connected to XXXX who told me the check was sent on XX/XX/XXXX. I asked for the phone number of someone in Corporate and was told they were unable to do that. 

I attempted to find details on my internet account with US Bank, but the account is no longer available for me to see. I don't know how I can be sure of what the correct escrow amount should be, nor where the extra month mortgage payment went. 

I would like to file an official complaint.
Product: Payday loan, title loan, or personal loan

I fell on hard times and went to TitleMax. I borrowed {$800.00} from them in 2021 in exchange for my car title. I've paid over {$3000.00} and I have to pay more than {$1000.00} to release my title. I called and wanted an explanation of why it is paid off. She hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns XXXX is in violation of FCRA, 15 USC 1681m because I was never notified that an adverse reaction was going to be taken on my consumer reports. An adverse reaction of late payments on this alleged debt was reported on all 3 of my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do an in depth investigation of my credit report. I never received a response for this request. I only received two letters from XXXX applauding me for taking charge of my credit. Ive attempted disputing formally and via electronically but my report did not change after each attempt. I was giving this option after representative from XXXX saw I was not getting anyway after several attempts. I still found several inaccuracies after each fail attempt. 

XXXX  : Account number : XXXX, you did not remove the past due from this account and therefore, it must be removed. 

XXXX XXXX Account number : XXXX, you did not remove the late payments XXXX  : Account number XXXX Last activity inaccurate XXXX XXXX XXXX  XX/XX/XXXX XXXX not reported XXXXXXXX XXXX  : Account number : XXXX, missing notice of dispute. Reporting after account was closed XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX delete due to inaccuracy XXXX XXXX  : Account number : XXXX, this account Last activity date XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX please delete due to inaccuracies. 

XXXX XXXX : Account number : XXXX, activity dates XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX : Account number : XXXX, last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove for inaccuracy - years of payment history reported after account was closed and the date of last activity changed without any activity occurring - XX/XX/XXXX on XXXX XXXXXX/XX/XXXX on XXXX XX/XX/XXXX. 

XXXX XXXX Account number : XXXX, remove for inaccuracy XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove this for inaccuracy because the date of last payment is reported differently on all 3 bureaus : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

XXXX XXXX XXXXXXXX : Account number : XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX Account number XXXX Discrepancy an account status XXXX  status Open XXXX Closed last activity XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Not reported to all credit bureaus only XXXX In accordance with the Fair Credit Reporting act XXXX Acct # Chase XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX has violated my rights XXXX 
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

-- - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Personal Information under XXXX XXXX Compliance Dear Sir/Madam, I am writing to formally request the removal of inaccurate or outdated personal information from my credit report in accordance with XXXX XXXX compliance standards and the Fair Credit Reporting Act ( FCRA ). 

The personal information that I wish to be removed includes : 1. **Phone Numbers** : ( XXXX ) XXXX, ( XXXX ) XXXX & ANY OTHER PHONE NUMBER LISTED ( REMOVE FROM REPORT ) 2. **Addresses : ** : XXXXXXXX XXXX XXXX  XXXX XXXX CA XXXX ( REMOVE FROM REPORT ) THE ONLY NUMBER THAT SHOULD BE REPORTING IS ( XXXX ) XXXX ( KEEP ON REPORT ) THE ONLY ADDRESSES THAT SHOULD BE ON MY REPORT ARE : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX & XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ( KEEP ON REPORT ) ANY OTHER ADDRESSES THAT DONT MATCH THESE 3 ABOVE NEED TO BE REMOVED IMMEDIATELY, THEY ARE NOT MINE. 

As per XXXX XXXX guidelines, I request that you verify and update my credit report to ensure it only contains accurate and current information. Please send me written confirmation once these corrections have been made. 

I have attached copies of the following documents to support my request : Government Issued ID, Copy of XXXXSN Card, Paystub, Water Bill, & FTC Report Please complete this request within 30 days as required by law. If you need further information, feel free to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX -SSN : XXXX -DL : XXXX -Issued : XX/XX/XXXX -Expires : XX/XX/XXXXXXXX  -- -
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Student loan

I have attempted several times to contact HESAA LOANS for a refinancing option. My father is the co-signer on my loan and he has not made any of the payments on the account, I solely have and it has been up to date without any issues up until now. I am trying to refinance and not have a co-signer and completely take him off as he has nothing to do with it but no one will give me information on how to release a co-signer and even with my average credit score and decent job ( keeping up to date with XXXX dollar payments regularly on my own ) they will not release him or allow me to refinance. This is completely ridiculous as I am a new college student in all kinds of debt and have medical bills but if Im keeping up to date for so long with the loan why cant I have the option to release him?! This is causing undue stress as it is my loan and I need help from someone at HESAA to give me options even with my lower credit score because my payment history on such a high monthly payment has never faltered!!
Product: Payday loan, title loan, or personal loan

I received a loan 4+ yrs ago from ACE Cash express for {$200.00} - {$400.00} and I have been getting threaten calls saying that they will put me in jail for owing them after I informed them I didn't work anymore and I assumed it was paid off because they wrote it off on there taxes also that they took it out of my account 3 yrs ago. That is now closed. They called my family member today and left threaten calls on there phone and continue to call blocked. It's also been taking off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there XXXXs no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit card or prepaid card

On XXXX of each month, my payment is due. 

For the past two months, when I attempt to access my account through XXXX XXXX website, an error message is received stating their systems are not available. When this happens, I am unable able to pay my bill on the XXXX as intended. I am forced to make a payment over the phone and incur a {$9.00} fee for doing so. This has happened to many people ( per postings on their XXXX  ) and is happening to my husband who is a card holder on his own XXXX XXXX account. I feel they are intentionally shutting down their systems forcing customers to pay by phone to generate revenue.
Product: Student loan

I have two consolidated student loans. Both with Sallie Mae now Navient.During the XX/XX/2009 Georgia XXXX furloughs, I was advised by Sallie Mae to sign up for Forbearnace. I have XXXX in a XXXX XXXX for over fourteen years. I have been denied for the XXXX Loan Forgiveness program 2 times. I have never missed nor been late on one payment in fifteen years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this complaint to SAGESTREAM. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Debt collection

They have reported negative items on my credit report. The amount is {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom thi s may concern : I mailed a Multiple Inquiry Removal Letter  on  XXXX   XXXX ,    2017  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that are being reported on my file. They received the letter on  XXXX   XXXX ,    2017  and they completed the request on  XXXX   XXXX ,  2017 . The request I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL INQUIRIES, which was " Inquiries are a factual record of file. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCR A 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST BE INVESTIGATED, and if you do not investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response 4 days after the recipients received my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my Credit Reports displays a sign of financial trouble, w hen that is n't the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness for a consumer.
Product: Checking or savings account

None of your options include issues with safe deposit boxes. This is the issue Ive had. I co-rent XXXX XXXX XXXX with my mother, XXXX XXXX at Regions Bank, XXXX XXXX XXXX, XXXX, GA XXXX. XXXX had the box since about XXXX. Over the course of the last XXXX years, Ive accessed it maybe XXXX or XXXX times. The last time I accessed it was in XXXX to get the title to my truck out of it. In addition, I had XXXX XXXX ounce gold coins and XXXX XXXX ounce silver coins. I left these coins in the box. My mother XXXX XXXX went to the bank on XX/XX/XXXX to get the coins and bring them to me since I had moved to Florida in XXXX and she was going to be visiting me. When she went that day on XX/XX/XXXX, the box was already open and the coins were gone.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry was opened under my information and account for JPMCB Card. The Inquired date is XX/XX/XXXX XX/XX/XXXX and the removal date is XX/XX/XXXX. The contact info is Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and FTC report regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper inquiries that I didn't authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I contacted XXXX via Certified Mail in attempt to retrieve my XXXX Credit Report for my own review and verification in XXXX of XXXX. I tried using www.annualcreditreport.com but was unable to get my credit report there due to " unverified information '' based on the answers that I have choose for the several of the questions asked. 

Again, as of XX/XX/XXXX, I have tried getting an update on my XXXX credit report to make sure that all of my private and personal information is correct and protected, but however, my request was denied via www.annualcreditreport.com because of the answers that I selected based on my correct information, when questions were prompted on the screen. I also called XXXX  and have spoken to XXXX ID : XXXX, XXXX ID : XXXX, and XXXX ID : XXXX, in which XXXX from the " Dispute Department '' constantly ended the call in mid conversation.