23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Control Company has again violated my consumer rights under the Fair Debt Collection Practice Act section 1692E8 with misleading and deceptive conduct by not acknowledging or updating these fraud related accounts are currently in dispute on my credit reports. Control Company continues to violate the Fair Debt Collection Practice Act and Fair Credit Reporting Act under Arkansas by attempting to collect on Medical Debt more than 2 years old.  Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). Prior to entering into an agreement to pay off a debt, a consumer should ensure the debt is actually still due and payable. I also requested HIPPA release documentation which was never provided by Credit Control Company. Credit Control Company has failed to respond or mention this issue regarding my initial complaint and should be held accountable.
Product: Credit reporting or other personal consumer reports

Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated. I am demanding the company block and remove the account from my consumer report no later than 4 business days after such information Ive provided. Account ( XXXX XXXX XXXX, {$1500.00} )
Product: Debt collection

This debt is not mines. This company keeps reporting on my credit report and it is a violation of my rights. Please remove immediately as these accounts are not mines. Show me a wet signature to validate that this is my account. You won't be able to because they are not mines. It is against the law to report erroneous accounts. I will sue if this is not deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed via USPS both XXXX and TransUnion notices of an unrecognized collection due to identity theft on XX/XX/XXXX via certified mail. 

TransUnion Tracking # XXXX XXXX Tracking # XXXX Account name XXXX XXXX - XXXX Account # XXXX Neither company has completed a proper investigation pursuant to FRCA 15 USC 1618 considering the account is a result of identity theft and unverifiable and must delete or face a fine. Beyond that none of the information is reporting the same across the 3 bureaus which points to negligence and a failure to execute proper due diligence. How can an account be both open and a charge o
ff? 
How can an account be both open on XX/XX/2014 and XX/XX/2014? 

This information is inaccurate and fraudulent and pursuant to the FCRA any account that is reporting inaccurately must be deleted. PLEASE REMOVE.
Product: Payday loan, title loan, personal loan, or advance loan

This company, Minto Money processed a loan for an unknown person ( s ) that used my name, email, phone and ss #. I talked to XXXX with Minto Money 's fraud person XXXX on the line ( they have the recording and so does XXXX ) and they confirmed that my name is not associated with the account Minto Money approved the loan on and sent money to. I also confirmed with the same parties on the line via my social sec number that I have no accounts with XXXX. Minto Money allowed a loan to go through with the wrong address and an account that is not mine.
Product: Debt collection

False information on my credit report regarding the original amount of the loan, the time reported to agency as a late payment. Inaccurate amounts monthly payment amounts. Reported to credit bureau as late after the account was paid in full. The account was paid in full as of XX/XX/XXXX. However, they never sent the car title, when I called them in XX/XX/XXXX, they told me there were fees owed on the account that were from the beginning of the loan in XX/XX/XXXX. I immediately XXXX the misc. fees, I have my receipt of the XXXX sent. They had never contacted me regarding those fees, the only way I discovered the fees was when I never received my car title. As matter of fact they claimed they sent my car title XX/XX/XXXX, they never did and want me to send money to another agency to pay for a car title, that they never sent. The company is deceptive in their practices. I have contacted them on several occasions and they sent me from one department to another and to voice mails. I have disputed this with all credit bureaus and will keep disputing it. Additionally, the original monthly payment was not, {$220.00} for 54 months. The car note was reduced to {$220.00} after I became unemployed and after two years of struggling to pay the note. One agent finally looked at the file and put me in a program to assist me, had they done that from the time of unemployment it would not have taken me seven years to pay it off. However, they are not reporting that, The last car note was paid on XX/XX/XXXX. All information of reporting is inaccurate. Santander has been deceptive in their practices. I paid on that load from XX/XX/XXXX to XX/XX/XXXX. They reported me to credit bureau for misc fees on XX/XX/XXXX as the date of my first delinquency and the account was closed XX/XX/XXXX. They reported to the credit bureau a late payment for the fees I never knew were on the account, after I PAID MY LAST CAR NOTE XX/XX/XXXX. As I stated the only reason, I discovered the fees was because I never received my car title and called them, XX/XX/XXXX, found OUT ABOUT THE FEES AND IMMEDIATELY PAID THEM. I have the copies of my transactions.
Product: Debt collection

I had two XXXX XXXX  accounts, I called XXXX in XXXX of XXXX to cancel after months of issues with the company and updating credit card information with XXXX XXXX, XXXX XXXX and XXXX, all employees of XXXX XXXX. Both accounts continued to have separate problems which the company was negligent in solving after several attempts. Upon initiation of canceling accounts in XX/XX/XXXX, XXXX only allowed me to cancel one account. They sent the other account to collections. XX/XX/XXXX my teen daughter received emails from XXXX XXXX XXXX stating she owed {$100.00} for the XXXX Account. I contacted the firm, requesting more information, a breakdown of charges and months. I was informed I needed to request in writing. XX/XX/XXXX I sent a letter with request for a detailed formal charges for the account. This letter was sent through the post office via confirmed mail. Tracking # XXXX. The only information was the email my daughter provided with a button that you could click on to pay. the firm had not contacted the adult either by mail or phone. XX/XX/XXXX I followed up with a call to XXXX XXXX XXXX as I still had not received any communication from them. The associate states, " you did not update your address, and you sent the mail back to us. '' this is inaccurate information, on the first call to them in XX/XX/XXXX, I verified my contact information, due to not receiving any communication from the which they stated they had attempted calling, I also sent my address in the requested letter and on the envelope. As of XX/XX/XXXX, I have not received by Colorado Law lawful account information of detailed charges being requested, even after following the correct policies requested by the company. This appears as deceptive practices.
Product: Mortgage

On or about XX/XX/XXXX, I, XXXX XXXX XXXX contact my bank to confirm that the Treasurer of Virginia on behalf of Virginia Department of Health Professions was certified funds in the amount of {$300.00} for the reinstatement of my XXXX XXXX license and receipt of such confirms that Wells Fargo Bank, N.A. is also the the banking institution for the Virginia Department of Health Professions ; like most Commonwealth of Virginia agencies. The Commonwealth of Virginia/Department of Health Professions/Board of XXXX has been taking up action against XXXX XXXX XXXX on behalf of Wells Fargo Bank, N.A. with the most recent evidence being this check and secondary evidence being an unlawful detainment of XXXX XXXX XXXX in XXXX facilities and taking action against XXXX XXXX XXXX as it relates to the unlawful detainment and/or involuntary detentions ; dating back t XX/XX/XXXX to the present. A third of the fees utilized to pay these fees to the Virginia Department of Health Professions was from a portion of the misappropriated fees in a property inspection case by Wells Fargo. The only requirement was that the check or money order be made out to the Treasurer of Virginia.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or 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 or other personal consumer reports

This is the third job I've applied to that uses this company for their background checks. For one, they have my deceased fathers name listed as another name for me. I've asked them to remove it they have not removed it. Number two, they continue to report outdated negative information on my report. This information is past XXXX XXXX XXXX. They asked me to not disclose anything XXXX years or older that was criminal so I didn't. Then they proceeded to report things that were from 2006. The information they keep reporting has cost me to have XXXX separate job offers rescinded. Good paying jobs that I really needed and would have had were it not for this company reporting such old outdated information. I want them to stop reporting it. Please. It's ruining my life.
Product: Student loan

I was already on SAVE plan. In XX/XX/XXXX I consolidated all my federal direct loans together for the one time account adjustment with the safe plan. My loans were then transferred from XXXX XXXX to MOHELA through the US Department of education. MOHELA processed the consolidation, but never the save plan. Two months went by. They still hadn't processed it so I resubmitted it again on XX/XX/XXXX. I called them and told them about that, so they put me on there forbearance stating that it takes time to process. However, with their forbearance student loan interest kept accumulating. Will come XXXX, the safe plane gets put on hold placing SAVE plan borrowers in interest free government forbearance. MOHELA refuses to put me on that forbearance because they never processed my safe plan in a timely manner. I have been an income base payment plan since XXXX They put me on a standard repayment plan when I consolidated, even though I consolidated them with the safe plan. They refuse to process the repayment plan in a timely manner consequently causing me harm with increased student loan interest accruing, not allowing me to be in the government forbearance while they figure out what to do with the safe plan. I can not afford the standard repayment plan so I have to keep going in regular for parents until the government gets things straightened out. It's not fair, because I should be put with all the other safe plan people hanging in limbo, but I'm not because MOHELA won't do anything in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

CarMax Auto Finance is in violation of FCRA inaccurate reporting. CarMax had not reported my on time payment history as they put it due to a system change at their company since XX/XX/XXXX .Another violation thats over 5 months of no reporting. Then to constantly mess up and report I had missed or late payments. I am beyond fed up with these people. I have contacted CarMax a total of XXXX times to have them remove late payments that were never late every few days they are reporting to the credit bureau either I got a new loan or a late payment. I spoke with over 6 different representatives. I have emails and control numbers that it was being removed and today XX/XX/XXXX they report again a late payment. They have reported a total Of XXXX late payments my credit score has been impacted each time because of this I went from a XXXX XXXX XXXX to a XXXX because of CarMax I am frustrated and Im tired of spending countless hours each week on the phone with their representatives. It is not fair to me as a consumer and I will be consulting a attorney. This has happened every week since XX/XX/XXXX.
Product: Debt collection

I began receiving phone calls on my cell phone XXXX XXXX XXXX, which then was followed by repeated calls to my business phone number ( approximately 6-8 in the past two weeks ). 

The message I received is a pre-recorded message, which is always the same : " Hello we have an important message from XXXX XXXX XXXX XXXXXXXX XXXX this is call from a debt collector. Please call XXXX. Again that phone number is XXXX. Thank you. '' I have no outstanding debts and no reason for them to be calling. I have not taken the call directly nor have I spoken to them. I would just like the calls to stop.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts that has appeared on my credit report. It has come to my attention that my identity has been stolen, and this unauthorized account has been opened without my knowledge or consent. 

I have recently reviewed my credit report, and I was shocked to discover the presence of a fraudulent accounts under my name. The accounts in question is with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have never had any dealings with this creditors, nor have I ever authorized the opening of these accounts. It is evident that someone has fraudulently used my personal information to establish these accounts I have a disputed these accounts several times with my police report XXXX XXXX and Transunion are not doing a real investigation they are just placing verified these accounts are not mines if they do the real investigation they will see that these three companies needs to be penalized for not doing investigations the automated computer dispute system does not work for me I WANT THESE ITEMS REMOVED IMMEDIATELY I kindly request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report as soon as possible. I understand that as per the Fair Credit Reporting Act, it is the responsibility of the credit bureau to ensure the accuracy of the information on my credit report. Therefore, I am confident that you will take the necessary steps to rectify this issue promptly. 

To assist with the investigation, I have enclosed the following supporting documents : XXXX. Identity theft police report XXXX. Screenshots of accounts In question Please note that I have already contacted the local authorities and filed a police report regarding this fraudulent activity. I am taking all necessary steps to ensure that the responsible party is held accountable I have already contacted Attorney General I appreciate your prompt attention to this matter. It is crucial that this fraudulent account is removed from my credit report so that I can restore my financial standing and protect my creditworthiness. 

Thank you for your understanding and cooperation. I look forward to a favorable resolution to this dispute.
Product: Credit reporting or other personal consumer reports

Inaccurate information Sent to collections Never sent a 1099C
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states, that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days ; these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for these unauthorized hard inquiries to be removed from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that the items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$830.00}, XXXX XXXX XXXX Balance : {$2100.00}
Product: Credit reporting

On XXXX XXXX I checked my credit report on XXXX XXXX and had a total of XXXX hard credit inquires removed. In checking my report on XXXX all XXXX inquiries were placed back onto my account with out sending me a reinsertion letter required by the car section XXXX. I have been calling transition ever since and have received no help, my request to be transferred to an American representative or the fraud department, many of the representatives were very rude and condescending. Some even told me they know what happened and basically told me I should simply file a complaint because they will not fix it
Product: Mortgage

I had a mortgage thru Wells Fargo and they foreclosed on my home back in 2012. I begged them to work with me or refinance me and they would not.
Product: Debt collection

This debt was settled with a debt consolidation with XXXX in XX/XX/XXXX-XX/XX/XXXX. Midland Fund has been notified via multiple attempts to clear this collection from my credit reports. Midland Fund continues to harass me with collection notices. The continued collection status has effected me financially with low credit scores, and the inability to refinance my home at a lower interest rate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> CONSUMERS CREDIT UNION XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

WELLS FARGO stole {$130.00} from me. I XXXX {$130.00} on XX/XX/XXXX to a friend not knowing that their XXXX account was closed. The transfer was made. My friend never received the money. They never put the money back in my account. I filed a claim, and WELLS FARGO denied it. The bank said that it was my error. 

WELLS FARGO is the most horrible bank I have had to deal with. I would never recommend anybody to do business with them. They are thieves. I work very hard for my money.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft i requested a copy of my credit report and i seen accounts on it that didnt belong to me so i contacted my bank and had them to freeze al my accounts until further notice
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like Transunion to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681XXXX which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and anxiety they have caused me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX never late
Product: Credit reporting or other personal consumer reports

Experian keeps allowing an account from XXXX XXXX XXXX to be on my account. I keep having to dispute this account and it is always found to not be my account as it is not even in my name.

But they keep allowing it to come back every couple of months.
Product: Mortgage

Hello my name is XXXX XXXX In XXXX of 2021 a company by the name of Community Loan Servicing XXXX XXXX XXXX De XXXX XXXX, XXXX XXXX Florida XXXX took over my mortgage. During this process this company reported to all 3 credit reporting agencies that my loan was delinquent 180 days. This problem continues to be reported and Ive have contacted this company who acknowledged their mistake in writing. This issue has be hurting my credit report since last year. They sent me a letter stating that they fixed this issue on two occasions. Ive been working on keeping my credit good & this problem has ruined years of hard work and consist payment history. I need someone help with this issue as soon as possible. 

Thanks