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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report
Product: Student loan

The information is outdated and has been removed from my credit report, but TransUnion continues to report it. This account is missing details, and it has been discharged and it's been closed was removed from my credit report
Product: Checking or savings account

My wife and I have a business account with Bank of America, named XXXX XXXX XXXX XXXX, account number XXXX, that receives monthly deposits every month. My wife and I were on a business trip, and was shocked to learn that we no longer had access to our business account via the mobile app. The account had been closed WITHOUT our authorization, for supposedly being negative {$50.00}. I have attempted to contact Bank of America 's customer service multiple times to resolve this issue, but I have not received any satisfactory response or explanation for the closure of my account. This sudden closure has caused significant inconvenience, damages and disruption to our life and business operations. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Bank of America rectifies this situation promptly. I expect the following actions to be taken : 1. Provide a detailed explanation for the closure of our business bank account, along with any and all IRS forms submitted to the Internal Revenue Service ( IRS ) in relations to said account for all calendar years.

2. Rectify any errors or inaccuracies in the account closure process and reinstate our business bank account immediately.

3. Compensate use for any financial losses or damages incurred as a result of the unauthorized closure of our account.

4. Ensure that Bank of America improves its customer service and communication channels to prevent similar incidents from occurring in the future.
Product: Credit card

I have had a capitalone credit card for over a decade. CapitalOne has chosen to involve themselves in a racket scheme which includes deceptive practices to make more money in exorbitant and unreasonable fees. The website has limited options for making a payment unless the payment is made on the exact day of their choosing, which varies throughout a given timeframe in both date and amount. If the date, for example, they claim a payment is " due '' falls on XX/XX/XXXX for example, one must log in and view how much the minimum payment is and pay it that exact day. since the payment ranges from {$150.00} to over {$400.00}, it is not possible for someone on a budget to log in and pay within XXXX XXXX hour period an unknown amount with such variation. When I log in even one day early, there is not a payment listed. The minimum payment box is greyed out and can not be selected, and a disclaimer at the top reads " more payment options will be available on your scheduled due date ''. There is listed your last posted payment, which varies from what this minimum could be, and the the full balance payment as options. I have never been successful in changing my due date. Each time I place a call about this, I spend over an hour on hold, end up with someone who will transfer me to someone who also doesn't know and I am desperate as this scheme continues to siphon lots of money using deceptive tactics.
Product: Credit card or prepaid card

On XXXX XXXX XXXX I made a complaint that I was charged twice for an online purchase. The first charge was cancelled by phone to the store ( XXXX 's ) the order was made. The amount in question ( XXXX ) was never to this day removed. I have called several times reached out twice by mail and even consulted XXXX XXXX. The only thing Synchrony Bank has done is deferred late charges. To date they still want a balance of XXXX. Thru all the months of grief and aggravation I am ready to just give up. If you can help Thank You. Sincerely and mentally exhausted. XXXX. P.S. I know it is not a lot but it is the principal of the whole problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

having my information taking by some and them using it to demolish my good name credit report is a problem i have been trying to fix and i am hoping submitting this report will help to removed and prevent my identity to never be stolen and for someone to be able use it again.. please help by removing those bad debt of my credit.
Product: Mortgage

My husband and I went under contract on a property that had been foreclosed upon on XX/XX/21. Lakeview Loan Services is the bank managing the property. We have missed and readjusted our closing date 3 times because of their negligence. They were informed of an outstanding debt to the HOA by the listing agent back in XXXX, giving them ample time to deal with the issue. Now, there is a lien on the deed to the property, and Lakeview doesn't answer phone calls, emails or any other form of communication. They won't even contact their own attorney. We can't close on our home until the debt is paid and the lien is lifted. We informed our landlord that we were under contract, and they expect us to be moved out, keys turned in by XXXX. If we don't sign closing papers this week and move in this weekend, we are essentially XXXX
Product: Credit reporting or other personal consumer reports

I have Reached ( XX/XX/year> out to Carolina finance which is located in XXXX NC and they stated that they do not have an account for me or never did I apply for credit. The creditor is listed on my XXXX report. I would like this hard inquiry removed since it is not my information. 
Phone number XXXX
Product: Credit reporting or other personal consumer reports

XXXX 5 attempts this year each time no response or only statements were sent. This is not proof of verification. 

XXXX 6 attempts this year each time no response or only statements were sent. This is not proof of verification. 

XXXX 6 attempts this year each time no response or only statements were sent. This is not proof of verification. 

XXXX 8 attempts this year each time no response or only statements were sent. This is not proof of verification. 


Letter sent : This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay YOU. Please keep in mind that itemization of debt/past billing statements alone are NOT proof. I require solidified documentation with my signature along with the following. 

Please send the following information : -The name and address of the original creditor, the account number, and the amount owed -Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
-Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Please also note whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about vour authority to collect this debt, whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number. Along with the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I filed a dispute with XXXX due to a collection is showing erroneous data on my credit report. The account was paid. The amount and status showing on the collection account is incorrect. The account is with NCA. I also noted that the other credit reporting agencies do not show the account on them as a collection account. Furthermore, my credit reports has a lot of erroneous data that I have asked for XXXX to delete several times. I can not understand why they would want to report incorrect information. Especially, when I, the consumer, ask for the credit file to be updated with accurate information. Please help! I just dont know what to do with this company. My XXXX XXXX is drastically different from the other XXXX reporting agencies. I am finding it weird. I hate to play the discriminatory card but it sadly starting to look that way.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As per XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies : Thank you so much for taking the time to read this letter. I am writing because I noticed my most recent credit report contains a late payment reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Discover XXXX XXXX XXXX account I had opened since XX/XX/XXXX. 

I want you to understand my financial obligations. In the wake of XXXX everything in my life turned into complete turmoil. In complete transparency, I was unemployed during those months. I have been working at XXXX XXXX in my neighborhood since XX/XX/XXXX but in the wake of XXXX, they have been laying off employees left and right. Since then its been super difficult to maintain a stable job. I had some money saved up but I had used whatever I had towards my books and lab equipment while at college. 

Additionally with my XXXX in and out of the XXXX due to her contracting XXXX multiple times while working as a XXXX in the midst of a pandemic- its been super difficult to keep up with everything. 

Nevertheless in XX/XX/XXXX, I was able to go back to work. I made it a priority to get my finances in check and pay off any outstanding debt on any of my accounts. I became more financial literate and really understood the meaning and responsibility behind having excellent credit. As of XX/XX/XXXX, I owed I believe {$700.00} to Discover. I completely paid that off in full as I wanted to have a clean slate. 

If it werent due to these unforeseen circumstances, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I picked up XXXX jobs, saved up more money, and maintained a low utilization XXXX % across all my credit cards. I was even recently approved for a credit limit increase from {$500.00} to {$4300.00} on my Discover Card. 

Since then, Ive had a spotless record of on-time payments and opened up XXXX new credit cards. The XXXX XXXX XXXX in XXXX of this year and XXXX XXXX XXXX XXXX XXXX XXXX last month. My XXXX XXXX went from XXXX to XXXX as of XX/XX/XXXX. I preach the importance of credit cards to peers and even got a number of them to open up credit cards themselves. I have auto-pay set up but I am always sure to pay my account off in full every month. I do not like carrying a revolving balance on my account. 

Being a recent college graduate at XXXX XXXX XXXX from the XXXX XXXX  XXXX XXXX XXXX, I plan applying for an apartment soon. It has come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that those missed payments do not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance to remove the late payments on those dates I bolded above off all of my credit reports. I know it takes 7 years for these late payments to fall off but I do not want those late payments to hinder my financial success now in my XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account has violated Account XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Account XXXX security credit service has violated 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting another CFPB Complaint too follow up the fist complaint I previous ; y submitted on XX/XX/XXXX. I sent a letter on XX/XX/XXXX addressed to the Credit Reporting Agencies to remove the disputed Fraudulent accounts and information that are completely UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Once again, please remove the following fraudulents accounts and information completely from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX Balance Owed : {$950.00} XXXX XXXX CO XXXX Balance Owed : {$490.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALLY XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My Venmo account was suspended on XX/XX/XXXX without a reason. I had requested a reason for my Venmo account being suspended and the support agent said they did not have access to this information, and I would be given a reason in " 7-10 business days '', which is not a reasonable amount of time when having access to my money is involved. I had also submitted a request through their online portal and it said that they were going to respond in 24 hours. I still have not received a response. The amount in my account is {$310.00}.
Product: Checking or savings account

Please refer my previous CFPB complaint XXXX XXXXXXXX on XXXX XX/XX/2023 I opened Bank of America Adv SafeBalance Banking checking account few days back with a promo code of {$200.00} cash back in case within 90 days I had a direct deposit of {$2000.00} or more. It end in XXXX. In response to that Bank of America stated that promo code is not applied. 

Well that's not the case - attaching the screen shot. 

I also don't know what is the minimum balance to keep in this account to avoid any sort of penalties or fees. Called Bank of America- they have a stupid robot which doesn't let me breathe also and there is no way human can be reached.
Product: Credit reporting or other personal consumer reports

I have information on my credit report that doesnt belong to me i would like the accounts removed from credit. I have a FTC REPORT I FILLED. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
Product: Mortgage

Santander Bank Violated the Fair Credit Reporting Act by not verifying and validating her mortgage debt as requested on XX/XX/2015. The  Defendants wrongful course of conduct is as stated to be unfair billing, not providing license to collect a debt, and not providing a validate OMB Control Number under the Paper reduction Act XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently opened an account with XXXX XXXX / XXXX in XXXX of 2019. I have been consistantly calling XXXX XXXX XXXX XXXX as well as their collection agent TSI Inc. For the last two years and they have done very little to satiate my need for relief. I have started multiple inquiries into the matter at great expense to myself ( purchasing a printer, sending multiple copies of ID and signatures, police reports, etc. ) and they have done nothing. I have requested proof that the debt is mine and they failed to provide it on several occasions while simultaneously stating that it is my debt and that I need to pay it. I have gone over two years without being able to use my credit since they are on my credit score as being in collections for {$6000.00}. This is causing great pain and suffering in my life as I am unable to buy vehicles on credit, un able to buy a home, and last year they garnished my federal tax return even though I have been fighting with them for 2 years through their fraud team to try to get this removed.