23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I lived in a rental apartment, and a previous tenant ( who I 've never met ) apparently owes a creditor money. I recently purchased a house and moved to another county. The creditor 's attorney 's listed my new home as the address of the guy who owes them money. I have returned multiple letters, and recently a process server showed up on my door. I told him that person does not live here and I have never known him. I contacted the creditor 's attorney and demanded that they cease this contact ( since they clearly have the wrong address ), and to remove my address in the case file with the court. I received an email from the attorney stating that they would remove my address from the case. Apparently they did not, because I am still receiving mail on this case, and now there is a motion filed with the courts ( by the creditor 's attorney ) to change the jurisdiction of the case up here to where I live. 

I am being harassed and incriminated at my new house all because some guy who owes them money rented an apartment that I later moved into once he left.
Product: Debt collection

shows charge off on my account meaning i should have received a tax form from company but yet my information was sold to a debt collector who is calling and sending messages to sue about amount that i never send a contract with
Product: Debt collection

I have made several attempts to contact the company regarding the debt and several inaccuracies. Now, my credit report shows the debt was sold to another lender and the information about the new lender is not available. I have tried to get proof such debt exists, but am unable to communicate with Universal Acceptance about the account in question, incorrect information on my credit report and etc. 
Furthermore, Universal Acceptance was asked to send proof of original debt to me when I disputed the claim in XX/XX/XXXX. Instead, the collection was hidden on my report and then they sold the account to a new lender and will not disclose the new lenders contact information. I feel as if I was also victimized as a client of Carhop since the purchase of my vehicle in XX/XX/XXXX. 
Carhop has been sued for jeopardizing Consumers Credit as noted on CFPB website, confirming they have used false information and disclosed inaccurate credit reporting on my credit history.
Product: Debt collection

I sent a formal dispute to Midland Credit Management requesting that they validate the debt of {$1000.00} does belong to me. I sent this letter to Midland Credit Management on XX/XX/2024. I sent this letter certified US Postal Service and got verification that they received my letter on XX/XX/2024. I then gave them 30 Business days as the letter outlined to respond, they did not. On XX/XX/2024 I submitted a dispute with XXXX on this debt. XXXX  report came back claiming that everything meets fair credit reporting act.
Product: Credit reporting or other personal consumer reports

After submitting 3 different disputes for the same issues Equifax has failed to properly remove, investigate & correct issues on my personal credit report. On XXXX  I submitted a dispute to have my name corrected, I attached a copy of my current valid California identification along with a copy of my bank statements. I also attached a copy of my federal trade commission affidavit to have accounts & inquiries that were fraudulently there removed from my credit report. How did Equifax confirm these if my name is incorrect to all the accounts listed on file with them.
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 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 accounts without my written instructions. 15 U.S.C 1681 C ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes wich antedates the report by more than seven years 15 U.S.C 1681 s-2 ( AX1 ) 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: Debt collection

I have contacted this company be certified mail asking them to verify the dept that they say I owe with no response. They are reporting these XXXX accounts ( which are not mines ) on my credit report and will not communicate with me or give me the opportunity to clear them up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is attempting to open accounts in my name which is fraud. Please delete these inquries from my credit report because they are not being done by me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against NCB Management Services for multiple violations of the FDCPA and FCRA related to account # XXXX. Despite my repeated requests for debt validation over the past six months, NCB Management Services has failed to provide the legally required verification or supporting documentation. This inaccurate and misleading reporting has harmed my credit profile and caused financial and emotional distress. 

Specific Errors and Violations Failure to Validate Debt Violation : FDCPA 15 U.S.C. 1692g ( b ) requires debt collectors to cease collection activities until the debt is properly validated. NCB Management Services has failed to provide any of the following : Proof of ownership of the debt Original creditor agreement Itemized billing statements Impact : Continued collection activity and reporting without validation are illegal and have caused harm to my creditworthiness. 
Inconsistent Reporting Across Credit Bureaus Violation : FCRA 623 ( a ) ( 1 ) requires accurate and consistent reporting. The account is reported differently across the credit bureaus : XXXX : Open, Balance {$1600.00} XXXX : Closed, Balance {$1600.00} XXXX : Open, Balance {$1600.00} Impact : These discrepancies misrepresent my credit profile and negatively impact my credit score. 
Misleading Past Due Amount Reporting Violation : Reporting a past due amount of {$1600.00} on a collection account is misleading, as the entire balance is already considered past due. This violates FCRA 623 ( a ) ( 1 ), which mandates accurate and non-misleading reporting.

Impact : Misleading information harms my creditworthiness and misrepresents my financial status.

Providing False or Misleading Information Violation : FDCPA 15 U.S.C. 1692e ( 8 ) prohibits furnishing false or misleading information to credit bureaus. Reporting a debt that has not been validated is a clear violation of this provision. 
Impact : This has caused undue stress, financial harm, and limited access to credit opportunities.
Product: Credit reporting or other personal consumer reports

I was on Experian looking at options for personal loans. I called one of the partners of Experian who offered a pre-qualified loan. The entity was XXXX XXXX XXXX who I called to get information on the process and the steps if I wanted to submit an application to process for a loan. I never gave them authorization to pull my credit file. I received an email from XXXX XXXX XXXX stated that they denied my application. I didn't submitted information to that database to process a application. This submission was fraudulent done in tactics to harm my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I have the right under 15 USC 1681.

Equifax is govern by USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did NOT give Equifax written permission to furnish these accounts! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I took out a student loan back in about XXXX. I took out XXXX apx. I have been paying on this loan for over 10 years now at about {$470.00} a month. I have no paid over $ XXXX on this loan and I owe more than when I took out the loan. I owe now about $ XXXX. They said that I did a 24 month forbarence 10 years ago but if I did that with 24 payments than that is about XXXX making what I owe about XXXX. Again, I have been paying for over 10 years and I have paid over XXXX back to this loan and I STILL OWE XXXX now! I told the company that this makes no sense! I have paid this loan off 2 times over now. They are NO help and will not discuss fees or anything. They said I will have to pay until XXXX! That would be a total of an ADDITIONAL {$85000.00}!!! So by the time this XXXX is paid back that I borrowed I will be paying this company well over $ XXXX! How is this ok?
Product: Debt collection

My ex-boyfriend is operating a scam call center. He stole my identity and the identities of my family members to create a money mule network. I encrypted my emails with XXXX XXXX XXXX XXXX, temporarily turned off my cellphone, and bought a safety deposit box to store my cellphone for law enforcement to review my phone and apps for signs of hacking and secret bank accounts. He has been calling me from random numbers at his scam call center to report that I owe him money via scam companies like XXXX. 

My mother was called on XXXX at XXXX PM from XXXX, XXXX at XXXX AM, XXXX at XXXX AM, and at XXXX by an XXXX from " XXXX '' with confirmation number XXXX. XXXX stated that I owe a debt and did not say what it is for. My ex-boyfriend thinks I am stealing money from him by protecting my identity so I can't be used as a money mule. I would really appreciate being contacted by the CFPB because this issue is impacting my extended family and they don't understand that they have been unwitting money mules for 17 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Collection account. {$560.00} past due as of XX/XX/XXXX I have asked XXXX  to remove this from my credit report. The balance on this account belongs to my land lord. I moved out on XX/XX/XXXX. I moved to Florida I have gas receipts for my drive down to Florida and I also have XXXX power notice when my electric was turned on in Florida and also my new lease in Florida and my moving out notification to my landlord.
Product: Credit reporting or other personal consumer reports

An account was opened in XXXX, Texas with XXXX XXXX. I have never lived in XXXX, Texas or even visited XXXX, Texas. Person commiting fraud never paid for service and did not return euipment. My information was provided to Harris & Harris LTD for collections. Harris and Harris LTD turned me into collections. Through my hard work and dedication to get this problem resolved I thought I had problem resolved. This weekend my credit score went down XXXX points. Instead of an excellent score I now have a good scoe. I had had an excellent score for decades. Between XXXX and Harris & Harris they have messed up my credit rating and I need this taken care of. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are XXXX  to me : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Company has the incorrect address for on my credit report causing a derogatory mark on my credit report. 

I have spoken to them previously and they haven't removed the address. 

I also reported the issue to Experian with negative results.
Product: Student loan

On XX/XX/XXXXXXXX XXXX XXXX I submitted payments towards my loans with Aidvantage. As of today XX/XX/XXXX, both payments are still in my account. I did not receive any notification as to why it didn't go through but I did receive a confirmation email for my payments from Aidvantage. I want to make sure that my payments are going through as that it doesn't affect my credit score and payment history. I need this resolved as soon as possible. I just received a new statement. I need to make sure that they are taking the payment out of my account before I can process a new one.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> and XX/XX/year> I called to let them know that there are errors in my personal info and that there are names that are not mine reporting on my credit report. 

During both calls, I was informed that these name would be deleted within XXXX to XXXX hours. 

Upon checking my report today. Those XXXX are still reporting on my credit report
Product: Checking or savings account

There are accounts on my early warning account that I never opened or used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 employers that is incorrect and 2 previous adresses that are incorrect that need to be deleted. Several inquiries that I did not authorize that need to be deleted. I also have several accounts that are not mine and one that I was never late on and one account i want to validate. And one account that says chrge off that is not true.
Product: Credit reporting or other personal consumer reports

Hi Equifax, I just received a copy of my credit report and I can not believe people steal my personal information to obtain fraud accounts without my knowledge. 
I found XXXX fraud inquiries below that not authorized by me and shall delete from my credit report. 

XXXX XXXX XXXX inquiry date : XX/XX/2023 XXXX XXXX, inquiry date : XX/XX/2023 XXXX XXXX XXXX XXXXXXXX, inquiry date : XX/XX/2023 XXXX XXXX XXXX, inquiry date : XX/XX/2023 XXXX XXXX XXXX, inquiry date : XX/XX/2023 XXXX XXXX XXXX  XXXX, inquiry date : XX/XX/2023 XXXX, inquiry date : XX/XX/2023
Product: Student loan

I am struggling to make my monthly payments on my private student loans. When I asked my servicer for help I was told my co signer makes too much money for me to be given a lower payment. I explained that my co signer will not be helping me, the lady was quite rude and said there is a difference between ca n't and wo n't help. She told me that technically my co signer can help and they wo n't lower my payments. Now I feel stuck. I want to pay on time and in full but I 'm struggling and the servicer seems so unwilling to work with me. Help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX the consumer sent dispute letters to all 3 CRAs ( Transunion, XXXX, & XXXX ). My reasoning and justification were to report and start an investigation into inaccurate reporting on a Closed/Cancelled charged-off account. After receiving a response from all 3 CRAs. I called XXXX to get an understanding of how these accuracies were verified. After their thorough investigation, it was explained to me that this account was accurate and verified. When explaining to them the impossibility of this, their statement was to call the creditor to ask for the deletion of the account. After explaining to the CRA that I have called multiple times and asked the creditor to receive accurate reporting and I explained to them the inaccurate reporting, the creditor denied my deletion request. The CRA wanted me to dispute the inaccuracies again but after further explanation ( I ) the consumer and CRA did not come to an understanding. I also have recordings of this conversation of admittance that they have been reporting wrongfully. Also, XXXX stated that their agent made a mistake in how to handle the dispute. I further explained that this mistake should not fall on the consumer as it is the responsibility of the CRAs. Once the consumer disputes what has been considered inaccurate that the investigation should show merit validity to the result. With these disputes of inaccuracies in my report, my mental stability and financial progress have been halted and taken their toll on my health due to the lack of a thorough investigation. Attached below are the documents sent to all 3 CRAs and an outline of the inaccuracies in the credit reporting in question. 
15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Part 7 : Section 611. Procedure in Case of Disputed Accuracy If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must : 1. Promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation ; and 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the following medical debts that have not been validated and updated with the company name or contact information. I do not know 1 ) if this is my debt 2 ) if it is my debt WHO I Owe and where to pay I have already disputed with XXXX multiple times over 4-6 months and still i do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and these types of inaccuracies are unacceptable. 

Account No. XXXX XXXX {$200.00} Account No.XXXX XXXX {$480.00} Experian & XXXX is reporting inquiries on my credit files that is paid off and still needs to be removed. I have a right to an accurate credit file and types of inaccuracies are unacceptable. 

Account No. XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is fraudulently reporting to the three credit bureaus XXXX, XXXX and Expetian the XXXX XXXX XXXX account is open and late.. This account has been a closed/settled account for months. Why is XXXX XXXX XXXX reporting its open and late dated XX/XX/2020. This account has be closed and settled how can I be late on a paid/settled account. This is fraudulent and permanently damages my credit profile. It can not be late because its closed and settled. THE XXXX  XXXX MUST BE DELETED AND All Fraudulent must be REMOVED AND CORRECTED AND DOCUMENTED THAT This was an error on the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It should have been deleted from my report its still on here saying 30 days late 1x 60 days late 1x and 90 days late 31x I asked that this please be corrected and deleted from my profile they have bout 2/3 statements one saying close by grantor, charger off it was a paid and full agree to deletion but never was deleted and it hurting my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to XXXX XXXX XXXX on XX/XX/XXXX to pay my remaining balance on lease loan of XXXX and I attempted to pay through automated service but it was giving a error so I connected to live agent she asked for my account number I stated to her it should already be on file with them like my XXXX XXXX XXXXXXXX acct she apologized and said it wasn't I have her my acct number the second time she ask me to repeat it I have too many numbers. On XX/XX/XXXX I got an alert through XXXX  that a change to my report I checked it chase had reported me 30 days late. So I called them and asked what happen I was speaking with a acct manager name XXXX he told me that the payment didn't go through do to bank error account not found he stated to me not to worry it happens all the time the account number was enter wrong and I asked how come I wasn't contacted by phone and he said they attempted they never updated my contacted number that I have given them 2 months prior and he said they had my contact number as unverified and called my old number instead. He apologize for them not updating my account properly and he said he updated it that day and put notes in the file wrong number was called. He also stated that he would be in touch within two days to complete the investigation on listening to the call the day I made that payment. He never did I had to call myself to get the information that they had completed that day a week later the agent I spoke to that day said she could not remove the late payment. I requested for the call with XXXX to be investigated and this was a common mistake it was a partial payment and I had never been late period and it was a bank error. They were unsympathetic to me as a customer. And very dismissive