23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I opened up dispute with credit bureaus last month in XXXX regarding this alleged debts ( Medical Bill and XXXX Bill ). There is no proof I owe this alleged debts and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida
Product: Debt collection

Since XX/XX/XXXXI made a " forced '' payment arrangement with an agency which represented itself as a representative of the Department of Education, all this after having tried numerous attempts with the Department of Education directly to reach payment arrangements with them which were in vain since they always rejected my request. 
All this was based on an alleged document they had sent which I never received since it was sent to an address in which I did not reside and I had moved about 5 years prior. Since then it has been an ordeal with the Department of Education. The first thing is that after having made the payment arrangement with Coastal Professional in which they assured me that I would not have any problem as long as I fulfilled my monthly payments for which I allowed them direct debit from my bank account, in addition to making sure that After 9 payments I could reach a direct payment arrangement with the education department, this was never to happen. I had been making the payments properly, they got into my salary and took monies which came from my employer, when I complained they blamed to the Department of Education for this, when I complained to the Department of Education they blamed Coastal Professional and thus nobody was responsible for any explanation that asked. I started a complaint process directly with the Department of Education because they had not complied with the treatment through the agency that represented them and for the supposed document that was not my fault they would send it to an address in which they no longer resided. They had a deadline to answer me which they did not meet if at that time they did not answer they had to stop the debits of my salary, for which I also had to call them. My surprise was such that after 10 or 12 payments with Coastal professional in more than one occasion I called the Department of Education they told me that they had no notification that I was paying through any agency, then I explained that payments were being debited from my bank!. Anyway, the agency constantly asked me for documents because I decided that what I sent them was not clear, which was false, they suddenly stopped debiting me from my account and in the middle of that process they also kept money from my refund ( IRS ) Again I complained again because they did not answer me or give a solution to my case, they could not do it again, for the last time they blamed each other again Collection Agency vs. Department of Education. They never answered me or solved anything, they took money from my salary, they charged through the agency and in 2 occasions of my IRS refund. Even so, the debt appears to me in the credit bureau, they reactivate it constantly and I have the fear that the IRS will also claim some kind of lean against my taxes yet again.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE  :  XXXX  I have notified  XXXX  that this not mine :  XXXX   XXXX  accounts  XXXX ,  XXXX  and  XXXX  All they did was verify that  XXXX  had my name and social seucrity number, which of course was already knows as it was on the credit report to start with, so they took the word of the reporting company,  XXXX , as validation of its own debt?     I am  XXXX   XXXX   XXXX  an have lived in Nevada for over 25 years and provided my information, license and property information from  XXXX   XXXX  to   XXXX    that I have lived here and not Texas and have never lived there and did not have service there.  XXXX  needs to respond to us with pro of ( written c ontract, drivers license, method by which these accounts were set up, in person, on the itnternet, etc ) that a single person would have  XXXX  utility accounts. Why would I have  XXXX  utility accounts????     Asking a company to verify their own information is not an independent process and hardly qualifies as a legit investigation.     Thank you,  XXXX   XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX  XXXX XXXX XXXX Re : Dispute of Inaccurate Credit Report Information Pursuant to XXXX XXXX ( 15 USC 6802 ) To Whom It May Concern, I am writing to dispute the accuracy of information in my credit report as provided by your agency, XXXX. This dispute is made under the provisions of the XXXX XXXX ( 15 USC 6802 ), which ensures the accuracy and integrity of my financial information. 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report and found inaccurate information regarding my account with VELOCITY INVESTMENTS LLC. Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
Under the XXXX XXXX, I am requesting that [ XXXX ] conduct a thorough investigation into this matter and correct any inaccurate information on my credit report. Please investigate this dispute and provide me with the results in writing. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents support my claim and demonstrate the accuracy of my account information. 
Furthermore, I request that any corrected information be sent to VELOCITY INVESTMENTS LLC and to all other credit reporting agencies that have received this inaccurate information, as required by law. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  ) XXXX Balance : {$4800.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/2023.
Product: Mortgage

I was deceived and bullied into default by wells Fargo Home Mortgage. 

I have sent so many complaints and all that is being done, is my information is sent to them. I would like to have assistance in suing them, I 'm not going to stop until they resolve this problem they created.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request in filing a case against the 2 Credit Bureaus for violation of the Fair Credit Reporting Act or FCRA Section 605b. These credit bureaus have engaged in unfair and deceptive practices by providing inaccurate and misleading information, therby, it was subjecting me to harassment. I demand an immediate deletion of these violations compensation for the damages caused and affecting my credit score, with this, I am asking for your assistance to delete these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I sent Midland Credit Management a letter to validate the debt. I did not recieve anything from the company concerning the debt. On XXXX XXXX the amount was {$1300.00}. I waited the full thirty days and no response. On XX/XX/2021 I sent another letter to the company. I did not recieve a response again. On XX/XX/2021 I recieve an alert on my XXXX account that there was a change to one of the accounts. I checked it and it was Midland Credit Management changing the balance from {$1300.00} to {$1300.00}. So the balance increased by a dollar. Then on XX/XX/2021 I checked my XXXX XXXX  account and the same listed account had been closed by Midland Credit Management. I just want to know what is going on or what happened. I never recieved any correspondence from the company. The debt should be removed from my credit report as to the company never sent anything to validate the debt. There also was another account in collections with Midland Credit Management. So On XX/XX/2021 I sent a letter concerning that account to validate the debt. On XX/XX/2021 Midland Credit MAnagement mailed me a bill for the balance of {$1000.00} with no explaination of how the debt was calculated. So XX/XX/2021 I wrote another letter to the company to validate the debt. I recieved no response. Then on XX/XX/2021 the balance increased by one dollar so the balace went from {$1000.00} to {$1000.00} and the comments on the account reflects the account is still in dispute. According to the law if an account is in dispute the company is suppose to stop reporting until the outcome of the dispute. But in both cases the balances changed and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

People using my card without my permission
Product: Mortgage

This is the THIRD complaint about this horrible company.

BOTTOM LINE : EACH MONTH Specialized Loan Servicing apples 100 % of my payment to an unspecified account. It is NOT applied to my principal/interest and to escrow as it should be. This problem has existed since XX/XX/2019 - the day they purchased my loan from XXXX XXXX. 

Every month bill collectors call saying I am in default, the SLS website says a payment has been made yet the headline is I am past due on my payment. I am not. I have paid MORE than is stated that is due ... which is another problem. I have THREE different payment amounts - and do not know the correct amount to pay, so I pay the highest one. 

This is a fraudulent company and needs to be closed down. They are trying to steal my home.
Product: Debt collection

I received a notice in the mail for a judgement for my husband. The interest rate is at 12 % annually. Based on XXXX effective XX/XX/2019 interest should have been changed to 9 %. In an attempt to consolidate the debt I offered to settle at the original judgement amount of {$710.00}, the woman I spoke with said she could do {$1000.00}. Which would be waiving only {$160.00} of the post-judgement interest. I have explained to them that my husband is in a XXXX XXXX XXXX and I am not currently working. I am appalled that they would charge me additional interest illegally and not be willing to work with given the current circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit file. The following address listed on the file is inaccurate and incorrect : XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX. 

The following employer is also incorrect and wrong information : XXXX XXXX XXXX. I never was employed by that company. 

The following name is listed on my file and it is not me, or do they have any relation to me whatsoever : XXXX XXXX. 

Please correct the following.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS NOT MY ACCOUNT! I DID NOT AUTHORIZE THIS ACCOUNT TO BE OPEN UNDER MY NAME! 

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX ( XXXX ) and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX ( XXXX ) also said they can't find anything on this account. Please help
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : account number In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

This account was charged off on the following date : XX/XX/2022 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldnt include an active payment history. 
This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it XXXX  and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my 2nd CFPB complaint and a follow up to notify the XXXX, Equifax and XXXX that below is a list of inquiries that are not associated with me and were opened without my permission. And from today counting 15 days that I am so much expecting a deletion result update to happen in my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax is giving false and inaccurate reports on me. I have continuously made complaints with proof to Equifax false reports that are causing me Financial harm and creditability. They are taking another person with a similar name to mine and applying it to my social security in part. They have me living as my current address at XXXX XXXX XXXX , XXXX, XXXX. I sold that home in 2006 and have lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. They also show my residences during that period XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, etc ... all false. I am a Veteran and use the VA medical facilities in XXXX XXXX for my follow up from my XXXX. I had an emergency and was admitted to XXXX XXXX in XXXX XXXX. The hospital was specifically instructed to send all bills to the VA for payment. The hospital ignored my request and went to Medicare without my permission. So did the other medical bills as instructed by XXXX XXXX.The Hospital received payment from Medicare but not the others for payment. If they went to the VA, all would have been paid in full as I instructed. XXXX Government agencies will not pay in part for the same procedures. I physically went to the Hospital to complain and was ignored about refunding the amount they received from Medicare so everyone including them would receive full payment. These charges to Medicare were unauthorized and in part returned which I am being hounded for. I complained to Medicare to no avail and can not be responsible for these unlawful charges made by XXXX XXXX and vendors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because the bureau ( s ) have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

1. The following inquiry was made without my knowledge or consent XXXX  Date of inquiry : XX/XX/XXXX 2. The following inquiry was made without my knowledge or consent XXXX  Date of inquiry : XX/XX/XXXX 3. The following inquiry was made without my knowledge or consent XXXX Date of inquiry : XX/XX/XXXX 4. The following inquiry was made without my knowledge or consent XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 5. Validate Account XXXX XXXX  Account Number : XXXX  You have failed to verify and validate all data for this account every notation signatures dates and balances whether reported or not. If you have no proof of any one I would like it removed immediately. 

6. Validate Account XXXX Account Number : XXXX You have failed to verify and validate all data for this account every notation signatures dates and balances whether reported or not. If you have no proof of any one I would like it removed immediately.
Product: Debt collection

Received a collections bill in the mail from a procedure that toon place in XXXX of XXXX. I never once received a regular bill or statement requesting payment from the urgent care that performed the services.
Product: Credit reporting or other personal consumer reports

I LOOKED MY REPORT BACK ON XX/XX/year> MY PERSONAL INFORMATION WAS INCORRECT I HAVE MULTIPLE VIOLATION ON MY FIRST NAME AND LAST NAME AND MY ADDRESS. I SENT A LETTER TO EXPERIAN ON XX/XX/year> AND ASK THEM TO INVESTIGATE THIS BUT THEY STILL HAVEN'T FIXED THIS PROBLEM. 

I DONT KNOW WHAT ELSE TO DO CAN YOU PLEASE LOOK AT THIS MATTER REMOVE MY PERSONAL INFORMATION
Product: Credit reporting or other personal consumer reports

Subject : Response to XXXX XXXX XXXX Statement Regarding Alleged Loan Account Dear XXXX XXXX Support, I am writing in response to your communication dated XX/XX/year>, regarding the complaint I filed concerning the inaccurate reporting of an account allegedly associated with me. 

First and foremost, I have never done business with XXXX XXXX. I am a victim of identity theft, and this alleged loan was not taken out by me. The name associated with this loan, XXXX XXXX, '' is not my legal name. My correct legal name is XXXX XXXX XXXX, and this discrepancy has been verified by Experian, XXXX, and XXXX, proving that the name on the account is incorrect. This further supports the claim that the reporting of this account is erroneous and violates the Fair Credit Reporting Act ( FCRA ). 

As you are aware, the FCRA requires furnishers of information to report accurate and complete information. The reporting of this account with the incorrect name and without proper validation is a direct violation of 15 U.S. Code 1681e - Compliance Procedures. In addition, you have not provided sufficient proof to verify that this account belongs to me. 

I formally request that you provide the method of verification for this alleged loan, including any bank account information or other relevant data that was used to open and disburse the loan. If you can not provide such proof, the inaccurate information must be removed from my credit reports immediately. 

Additionally, your statement regarding the FDCPA and the company not being a " debt collector '' is irrelevant to my request for debt validation under the FCRA. The obligation remains for Possible Finance to furnish only accurate and verifiable information to the credit reporting agencies. 

I expect this matter to be corrected promptly. Please provide written confirmation that this account has been removed from my credit reports, or if not, provide the method of verification used to report this account in the first place. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Its absolutely unacceptable that my credit report includes such an egregious error. The account in question is either entirely false or has no connection to me, and its unjustly damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Where do I begin? Im beyond frustrated with the assistant I have gotten from Experian regarding the account with XXXX  on my credit report. XXXX XXXX from how to get away with murder has nothing up on XXXX  because they have violated my consumer rights. I pray you guys review this complaint and hold them accountable. First of Ive been disputing this account for a while. I was surprised when I wasnt receiving any responses from the creditor. To my surprise I later discovered Experian has been reporting the WRONG ADDRESS FOR THE CREDITOR XXXX  while XXXX  is reporting the correct address this has given AN UPPER HAND Ive lost time and money because of this. Not to mention Experian has constantly stated they verified this account as mind. However, based on reports over the last couple of months THEY IS NOT ONE NOTICE OF DISPUTE LISTED THATS A VIOLATON PLEASE DELETE ACCOUNT by the way Ive attached the recordings. And when I spoke to XXXX in XXXX XXXX he was very rude and advise me there was no such law that a notice of dispute had to be documented he mentioned that was up to the creditor he threatened to disconnect the call and over talked me and not once was I irate and rude to him
Product: Credit reporting or other personal consumer reports

After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : TRUIST BANK - XXXX - I do not recognize this at all. - Delete this immediately.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 The Locations of original Creditor : XXXX XXXX XXXX XXXX XXXX, Located XXXX XXXX  XXXX XXXX XXXX, NJ XXXX Also reported as CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX The account you are reporting Account # XXXX is identified as an installment loan which is factually incorrect the true account type for this Account # XXXX is a credit sale agreement, I have the right the to an actual credit file and discrepancies like this are unacceptable please remove this from my account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account was created XX/XX/2022, due to identity theft, and as a result it is being reported on my credit report with inaccurate information. Also XXXX and Transunion continue to report this inaccurate information, which is a part of identity theft, Police Report attached