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

XXXX XXXX XXXX # XXXX XX/XX/XXXX I SENT IN A DISPUTE ONCE AGAIN FOR UNVERIFIABLE INFORMATION IN MY CREDIT REPORT. IF U HAVE VERIFIED THIS IS MY ACCOUNT WHY IS IT SO HARD TO PROVIDE ME WITH THE DOCUMENTS SAYING THAT I OWE ANY DEBT. 

YOU'RE REPORTING LAST PAYMENT MADE XX/XX/XXXX AND THE STATUS IS REPORTING XX/XX/XXXX IT IS XXXX YOURE IN CLEAR VIOLATION.. 

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX
Product: Mortgage

At the age of XXXX years old my father sign a mortgage agreement with NATIONSTAR Mortgage I ready do n't thank he know what he was doing or understood the agreement.
Product: Bank account or service

The tactics used by wells Fargo bank by placing holds on checks that freezes me from using my debit card and has mine account in over draft status. I have been with them for XXXX years and these are not standard banking policies. Thank you.
Product: Credit reporting or other personal consumer reports

The Nelnet account has been reporting inaccurate information onto all 3 of my credit reports. I have made several calls to the company to inquiry as well as dispute the inaccuracy being reported but still nothing has been done to fix the problem. I asked to speak with a manager and he was very rude. He did not want to listen to my concerns to even address them. I submitted paperwork, called several times and still nothing changed. So now I would like to file a formal complete with CFPB.
Product: Credit card or prepaid card

I have a credit card with XXXX XXXX with a credit limit of {$2500.00}. I opened the account back in XX/XX/2017. I used most of the credit limit but never going over it. I have made payments totaling {$2100.00} in the first 9 months of having this card, at this time my pay off amount is {$2900.00}. It is incredible that their interest and fees could be this much. I requested to have a payoff amount and they denied it. I can't believe a credit card company is able to get away with this. It is worst than a loan shark.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> I am writing to formally dispute certain information that has been reported on my credit file under the provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681. It has come to my attention that certain data has been reported by your agency without my explicit written consent to either furnish or obtain my personal information.

Pursuant to 15 U.S.C. 1681b, a consumer reporting agency is prohibited from furnishing information about me without my written consent, unless a permissible purpose exists under the law. Furthermore, I have not given any authorization or consent for the reporting or inquiry of my information by the parties involved. I respectfully request that you conduct a thorough investigation to verify the accuracy of the information and ensure it has been reported in compliance with federal law.

In light of this, I am requesting that you immediately : 1. Investigate the validity of the reported information in accordance with 15 U.S.C. 1681i.

2. Provide evidence of my written consent for the disclosure or inquiry of my credit information.

3. Remove any unauthorized inquiries or accounts from my credit report.

Please note that if you can not provide proper documentation or proof of consent, I expect the information to be removed from my credit file promptly, in accordance with the Fair Credit Reporting Act.

I would appreciate your written response within 30 days, as required by law. Should you need any additional information to process my dispute, please do not hesitate to contact me.

Thank you for your prompt attention to this matter.
Product: Debt collection

Carter-Young, Inc.XXXX, GA XXXX, Local : XXXX Toll Free : XXXX My minor child and I were in an XXXX accident in XXXX of 2012. We have an attorney. The attorney notified all of the medical companies. Carter-Young, Inc filed a collection notice on my credit. I called Carter-Young, Inc. and explained their mistake. XXXX XXXX gave my son 's name and birth date and specifically told me she was attempting to collect on debt on my minor child. Using the words " minor child. '' When I explained that to her that that is against the Federal Trade Act she got upset. I gave her the attorney information. She said she would call the attorney. I asked her six times when they were going to remove the collection notice. She did not respond to me. She hung up on me. 
I have never received any notice in writing from this company that they were attempting to collect a debt. I have never received a phone call from this company that they were attempting to collect a debt. I did not give them my current address and XXXX XXXX did not attempt to verify my mailing address, email address or telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 revolving CC from US BANK and both accounts has been hit with late fees in 1 month, ,called to rectify and was told it can not be reversed, ,I refused to make the late payment as they claim was late only because they wants me to use online payment and thats the punishment I got for not doing sothe have attached it to my credit score and bought it from XXXX to XXXX and also reduced my limit as well,,, this is a pattern from most of these unscrupulous CC company and must be stopped now because they dont care if your credit is screwed up,,, look into this matter with urgency because I would be putting this info on social media for the consumers to see.
Product: Debt collection

Aldous & Associates, P.L.L.C. is lying about not reporting to the credit bureaus when they already have. 

I called and asked about settling when their client earlier offered me a settlement offer when I was hurt badly from an accident I wasn't at fault for. 

They refused to do anything settlement wise and hung up on me when I reminded them they were not the debt owners and I would attempt to negotiate with the original creditor due to their practices. 

I attached the proof of them reporting in XXXX and lying and said they haven't XX/XX/XXXX. 

They also lied about the frequency of emails when they told me they tried numerous times to reach out. I received 1 prior email ( proof of that is also attached. ) I was hurt and am finishing settling a car accident insurance case, I'm doing the best I can and I don't appreciate being lied to when making an effort to make efforts to settle due to my XXXX. 

I am also attatching proof of me attempting to work out a repayment plan with the original creditor today for a settlement price higher then the one offered in XXXX due to the circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sick and tired of having to spend so many countless hours trying to fix the mistakes created by both ChexSytems and XXXX XXXX XXXX. I am a XXXX Citizen ( Attached Proof ). I have attached a copy of a XXXX that I intend to file if ChexSystems does n't remove the negative/inaccurate mark from XXXX XXXX XXXX. 

Final warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX     I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that I 'm late payment for the account that Credit reporting have listed on my report.
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act, Section 609 XX/XX/XXXXXX/XX/year> Subject : Fair Credit Reporting Act, Section 609 Dear Equifax, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

If you are unable to verify the account with the account with the original contract, the information should be removed from my credit report within 30 days MAX.
Product: Debt collection

Stated In 15 USC 1666d you are to pay the positive amount thats on the credit balance to the consumer ( Me ) the exact amount that your trying to unlawfully collect from me in my JPMCB credit card. Under the FDCPA you are invading my privacy by sharing negative information to the 3 bureaus. Under 15 USC 1692b ( 2 ) you are sharing this " debt '' information to other people thats not the consumer yet again another violation. YET AGAIN your trying to pull my report from the bureaus BECAUSE I want my credit limit higher which it states under 15 USC 1681a ( d ) ( 1 ) a consumer report is given orally and written so IM DEMANDING YOU to put my credit limit higher since im the original creditor so im extending you my credit so you can give me it back to my accepted credit card. I made this report a week ago and you sent XXXX to answer to me, she's done nothing and has not called me and when I try to call her it goes straight to voicemail. I find that to very useless find somebody else to do the right thing these matters will get worse if I dont get my remedy
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries reported on my credit report that I did not give consent for any of those lenders to run my credit this is fraud XXXX XXXX XXXX FUTURE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$190.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting a late payment on XXXX ... this is a 30 days late payment that i dont recognize as mine, because i never been late on this account. If yes, you must to send me proof for this late payment...
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribe to Transunion credit monitoring service. It displays incorrect length of my credit history : it shows 17 years instead of 34 years. It also shows a much lower credit score for me than what other credit agencies show since they have the correct length of credit. Since the credit score takes into account length of credit history, I need Transunion to correct the length of my credit history information. I tried contacting them multiple times, and so far they have refused to make the correction claiming that the information can not be changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$2400.00} on the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) When my lease ended I cleaned the apartment and left it in immaculate condition, returned the key to the main office and vacated the premises. The apartment complex alleges they had to have someone come into the apartment and clean it, and in addition they have also charged me for not returning the key which is completely false because I did return the key. The apartment complex also kept my security deposit. Not only was I charged for cleaning of the apartment I was also charged for not returning the key. I never received an itemization or bill regarding the cleaning services nor was I ever given any written documentation as to why they kept all of my security deposit. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

Credit Solutions Corp is reporting a collections account on my consumer report. I have never heard of this company before. I am not aware of any debt or contract with them.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, TILA, GAAP and FDIC, I am requesting that you provide the following documentation : 1. The original or a copy of the signed loan agreement, promissory note, or credit application that clearly outlines the terms of the debt and the obligation to repay.

2. Documentation showing the original creditor did not write off this debt on their tax returns ( e.g. 1099-C forms for the relevant tax years ).

3. Documentation proving the original creditor did not file any insurance claims or receive compensation related to this account.

4. The original signed application for credit and promissory note.

5. Documentation proving this debt was not securitized by the original creditor.

6. Documented proof that you have the legal authority to collect on this specific account including bill of sale, an assignment agreement, or other official documentation, not just a letter.

Simply sending monthly account statements and proof you purchased this debt is insufficient. I require full substantiation of every aspect of this account, as described above, in order to ascertain the precise amount owed and your legal right to collect.

Further, I do not grant you any authority to act on my behalf and I decline any contracts you may offer. Your purchase of this alleged debt does not automatically entitle you to enforce collections, especially when you have failed to provide full validation as requested. Under the Uniform Commercial Code ( UCC ), you are not the holder of any instrument or contract bearing my signature that would grant you such authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX All these accounts were proven as fraud along with equifax has done nothing to fix it they have not once reached out to any credit card company on my behalf to dispute any information and this was confirmed by all the creditors up top above this statement. I personally called the creditors after 2 years of thinking the credit bureaus were on my side and they were not they are a bunch of XXXX frauds from other countries who tell you anything to get off the phone and never I mean never have a explanation as to whats going on.
Product: Credit reporting or other personal consumer reports

I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.
Product: Student loan

Its been very difficult to apply for the income driven repayment plan with Navient. They can only get my payments to {$180.00} a month, which I can not afford. They tell me that is the lowest they can get them. Therefore, I have been having to file deferments due to economic hardship. 

I also have been seeing this Navient Lawsuit of 2017 and am wondering if I am a part of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why hasn't First Advantage contacted XXXX yet to report to them that it's fine to allow me to reapply for the CSR, work @ home positions. I was told that they are waiting for me to do some thing, but I was never told what ... In fact, I have gotten emails requesting me to complete surveys about how they handle the investigation after they closed the case out with you. So, how is it that I needed to do anything. It was never requested. It see, s like they are trying to delay or stop me from being able to reapply for these positions. This is happen right after my XXXX pass the required inspections for the position ... This is all.
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. 

XXXX  : # XXXX. has violated my rights. 
Unverified Account- Please verify the accuracy and completeness of this account with a sworn affidavit as required by law. Failure to include an affidavit is by definition unverified and must be deleted. 
Please remove this inaccurate information from my credit report. 

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.

15 Days should be enough.

Tracking all letters.

" Patiently '' Waiting. 
Yours truly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a XXXX XXXX XXXX XXXX, i am a living human being, i have rights under 15 USC 1681.

equifax is govern by 15 USC 1681 and they violated my rights numerous of times i demand the accounts listed below be remove because according to 15 USC 1681 i have the right to privacy and i did not give equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed {$91.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a loan account opened at XXXX XXXX XXXX on XXXX/2023 under the account number XXXX and a credit card account opened at XXXX XXXX XXXX on XX/XX/year>2023 under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Student loan

In XXXX I graduated with my XXXX XXXX from the XXXX and also had around {$110000.00} in debt from Sallie Mae. My mother is my co-signer. From the beginning she refused to help me pay, not giving me a single dime. I was struggling to obtain a job that could afford the payments even on an income driven payment plan because she was linked to my loans. In XXXX I decided to go back to school in hopes to get a degree to get a job that would pay more. I had to quit school half way through because I ran out of the last forbearance from Sallie Mae AND ran out of government funding. I could not afford to pay school bills on top of this. When agreeing to the forbearance from Sallie Mae they VERY QUICKLY tell you that after you go back to school you will not be able to go back on an income driven payment plan, and it is in the finest print. I am now stuck with over {$1000.00} payments a month I simply cant make as I dont make enough money to live and pay this. They now want to take legal action against Me because I am 56 days past due and cant afford to pay my {$3000.00} past due balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion responded to a previous complaint claiming they were investigating again and allow up to 60 days for a response. I noticed both TransUnion and XXXX reporting the same account ( XXXX XXXX Bank, NA ) both agencies reported inaccurate information without proof taking the word of a 3rd party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX