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

I HAVE SENT  XXXX XXXX SEVERAL CERTIFIED LETTERS. THE LAST ONE I SENT WHICH WAS X/XX/17(2  MOTHS AGO) I SPECIFICALLY STATED TO PROVIDE ME WITH THE RECORDS AND DOCUMENTATION THEY USED TO VERIFY THE NEGATIVE AND BOGUS INFORMATION AS ACCURATE UNDER THE DISPUTE MADE WITH THE CREDIT BUREAUS. I ALSO WENT INTO THE BRANCH WHERE OBTAINED THE LOAN AND THEY DIDNT HAVE ANY RECORDS/STATEMENTS TO GIVE ME!!!! I NEEDED TO SEE MY CONTRACT FOR THE TERMS AND CONDITION,LENGTH OF THE LOAN ETC ALSO MY PAY HISTORY BUT OF COURSE NEITHER HEADQUARTERS OR BRANCH COULDNT PROVIDE ME ANYTHING BUT STILL REPORTING FALSE INFO TO THESE CREDIT BUREAUS WHICH IS HURTING ME MENTALLY, PHYISCALLY AND FINANCIALLY!!!
I HAVE ATTACHED THE CREDIT REPORT FROM XXXX AND XXXX. XXXX XXXX STATED THAT MY REMAINING BALANCE IS $XXXX. IF I PAID $XXXX ON TIME FOR XXXX & XXXX THE BALANCE IS ABOUT $XXXX. I NEED THIS ACCOUNT INVESTIGATED ALONG WITH MY CONTRACT, PAY HISTORY AND TERMS ASAP!!!! PLEASE DO NOT SEND ME ANY FALSE INFORMATION!!!
THIS IS THE LAST TIME I WILL BE ASKING TO HAVE THIS ACCOUNT REMOVE
FROM ALL 3 CREDIT BUREAUS . MY NEXT STEP IS SUING ACCORDING TO FCRA!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. ACCOUNTS : XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$150.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX and XXXX  Inquiry Date DC XX/XX/XXXX
Product: Debt collection

A company by the name of NP Group, supposedly out of New York keeps contacting me and my family member saying I have XXXX unpaid pay day loans which I did not apply for. They say I owed around {$1200.00} originally and then I asked for documentation. I was then told they are a paperless company but they will email me documentation of the debt. I got an email with XXXX PDF files of some of the most unprofessionally put together statements of debt that which added up to be over {$300.00} than the original amount. I was then followed up with another phone call with them stating that I had said I wanted to settle, which I did not. I then asked how do I know this is not a scam and the girl got extremely rude and said that she had sent the documentation proving it was not a scam and if I did not settle that the phone calls would continue and will not stop. She called again the next day and I told her that I was reporting them and was not going to pay them anything and she said ok sir the well we will continue to call until it is settled and then she hung up on me. Ironically less than 1 hour after I was hung up on I started getting emails and phone calls saying I have been approved for the loans I applied for. So far I have contacted XXXX, XXXX, and XXXX. All of which said there were loans applied for with my name and email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

On  XXXX   XXXX , I called and requested to have my wife 's credit card replaced. Specifically asking not to have mine shut down because that is a huge inconvenience. The rep was refusing to assist me with this specific issue. She was rude, over talked me, kept repeating herself and refused to escalate the phone call per my request. I disconnected after she refused to assist and reached a different rep, where I was assured my wife 's card only would be replaced.     Subsequently, my wife had my card, and only my card when she was out of town on  XXXX   XXXX . While she was trying to purchase gas to get back home the card was declined. My wife had to ask a stranger for money to get back home. Extremely embarrassing and humiliating, especially when we are successful hard working people and I was assured my card would not be closed. My wife came home late and did not tell me this situation until later in the day,  XXXX   XXXX . Prior to finding out this information, I went to   XXXX   this morning to make a large purchase for my house. I had everything rang up in my cart and when it came time pay, my card was declined. Once again extremely embarrassing. I had to put everything back because that was once again my only and preferred method of payment.     I am extremely disappointed and dissatisfied with the previous service I received.
Product: Debt collection

I had the internet service from XXXX XXXX, I sold my house and I cancel the service with XXXX, I send back the boxes by mail, a few months later I receive a letter from a credit collection services that I owe {$50.00} dlls to XXXX, I ask why this is on collection if I send back the materials to XXXX, they dont have an aswer for me, I request something in writting of why I owe money, this was like 3 or 4 weeks ago I still dont receive any documents on my house, I this collections has to be delete from my credit report, and if I owe the {$50.00} dlls I can paid them but I need to know why and if I pay they need to erase the collection from my credit report because I think is nor fair, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX, has violated my rights. 
1

5 U.S.C 1681 section 602 A. states that 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. 
Also, there is missing information in the report. How do they even know this account is mines? Also, this account is not Metro 2 Compliant. 
I very disappointed in XXXX, XXXX and Experian for not completing a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023, XXXX XXXX adds a derogatory mark on my credit report per XXXX XXXX  and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX  ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX Acc # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 record of conviction 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: Debt collection

I had been served for a debt that is not mine by someone pretending to be law enforcement, which is illegal. A process server may not pretend to be a police officer, sheriff or other law enforcement officer in order to persuade someone to open the door. I have filed complaints with the XXXX, as well as with my states attorney General. I had also asked for any signed documents I had with Jefferson Capital Systems which they failed to provide. They sent some documents, but none if it included my signature, a full account number or any contracts I personally had with Jefferson capital systems.
Product: Debt collection

I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2022. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made on my credit report.
Product: Debt collection

I have contacted General Revenue Corp 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XX/XX/2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX
Product: Student loan

I have tried to file a waste/fraud/abuse complaint with the Department of Education Inspector General and was referred here ( email attached ). 

I have been working with the Ombudsman 's Office since XXXX 2015 ( Case # XXXX ) to try and resolve issues with my account serviced by Navient. This has resulted in Navient making numerous changes to my account that typically cause further problems that need to be addressed. These " mistakes '' and " errors '' on their part always seem to result in paying more money towards my loan in the long term or sending in additional payments just to get Navient to look at my complaint. 

Navient has issued documents regarding these changes and they have sent copies of these documents in a timely manner to the Ombudsman 's Office. They have told my case worker that they are also sending me these documents, but I do n't think they 're actually being sent ; they 've supposedly been sent several times through email and traditional paper mail, but never arrive. I have verified my contact info with Navient, so I know they have my correct email and physical address. 

I am concerned because this latest " mistake '' on their part involved over {$4000.00} of interest being shown on my account that does n't belong there. I believe they are deliberately withholding documentation of changes being made to my account because it shows egregious and possibly fraudulent activity on their part. 

I am tired of being shuffled from agency to agency, with everyone who accepts a complaint either telling me it 's not in their jurisdictional authority or that they simply can not help. I have begun writing the offices of my elected officials to inform them of my being shuffled around by different agencies and of the abusive behavior received on the part of Navient, a federal contractor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having some issues on my credit report. I have inaccurate information showing My name is XXXX XXXX XXXX. my DOB is XX/XX/XXXX. My currnt and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My phone number is ( XXXX ) XXXX. My current employer is XXXX XXXX XXXX. 
The following addresses are not mine please delete them : XXXX XXXX XX/XX/XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX The following phone number are not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Checking or savings account

Deposit at Wells Fargo ATM, XXXX XXXX XXXX XXXX., XXXX, XXXX, on XX/XX/2021, check # XXXX for the amount of XXXX. 
Check was jammed in ATM machine filed a claim with Wells Fargo ATM claims and customer care and the amount has been credited and returned to maker and now has been debited from makers account again on XXXX. 
The funds from maker 's XXXX XXXX account same amount same check number. But never deposited into my account. 
This check has been an on going problem and never gets resolved. 
I had to pay my client back the money now for the original check issued to me from Wells Fargo mistake. Where is the funds now! 
Wells Fargo initially said there was no error but how did the check the first time deposited witch was jammed get returned to maker funds deducted from his account and get credited back to his account and check returned. 
Now months later the same check and amount gets withdrawn from his account again I have all letters and bank statements to support this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a sevice from a hospital which at the time i was fully insured and my medical bills were paid, ive went to the hospital 's administration and their record show everything paid in full.ive sent proof to the credit reporting agency Experian several times but i have not seen this correctec on my report.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and firmly believe they are fraudulent. I urge you to conduct a comprehensive investigation and promptly remove them from my credit report. I have provided supporting documentation for your examination.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : 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, credit repair services, or other personal consumer reports

Transunion keeps on readding a debt collection that is a result of identity theft that doesn't belong to me. The Debt Collection agency reached out in which the debt collection has been removed from my other XXXX  bureaus however, transunion keeps playing with my credit report by re-adding this debt when it was the collection company themselves that had removed it from all 3 bureaus. Attached I will include the statement from the debt collection agency after an investigation reliving me off this debt. I need transunion to stop these illegal actions with my credit report or I will end up suing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

The Mortgage Company ( XXXX XXXX XXXX ) gave us 10 days from the date of closing ( XX/XX/2018 ) to meet specified conditions as per the appraisal company to make the property habitable. The date specified was XX/XX/XXXX. We met the guidelines and there were instructions as per XXXX XXXX with XXXX XXXX to release the escrow holdback of {$10000.00}. We still have not received our monies and are in jeopardy of being late on mortgage and car payments.We requested the money to be wired and were denied. Also we were promised a lender credit, there was never a rapid re score so as a result we were locked in at 5.7 interest rate but we're assured we would get a lender credit. I am attaching the proof. Also XXXX XXXX the VP provided tracking numbers as well, and said they would cancel the first check and would overnight a new one, tracking was provided. Now the check is lost. Her reply was they need to locate the check, why have they not wired us the money. There is so much wrong here and I will be filing suit as well. Please advise as quickly as possible. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were listed on my credit report as late and they were never late. These accounts are current and up to date. This is hurting my credit. This is a violation of the fair credit report act section 1681b. 

XXXX XXXX  BNK Date opened XX/XX/XXXX {$630.00} Listed as 30 days late. 

XXXX XXXX BNK Date opened XX/XX/XXXX {$360.00} Listed as 60 days late. 

XXXX XXXX Date opened XX/XX/XXXX {$870.00} Listed as late 60 days. 

These accounts were never late.
Product: Credit reporting or other personal consumer reports

THERE WAS AN ACCOUNT OPENED WITH XXXX XXXX XXXX AROUND XX/XX/XXXX AND A BALANCE OF {$2900.00} WHICH IS NOW A CHARGE OFF ACCOUNT AND PLACED FOR COLLECTIONS WITH XXXX XXXX.. I HAVE SENT OUT NUMEROUS OF LETTERS OF THIS BEING A FRAUDULENT ACCOUNT TO XXXX, XXXX AND TRANSUNION AS WELL AS FTC REPORT WHICH WAS INDEED SENT OUT XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AND NOTHING HAS BEEN DONE ABOUT THIS. I CONTACTED XXXX XXXX XXXX AND WAS TOLD THEY NO LONGER HAVE THE ACCOUNT AND I CONTACTED THE COLLECTION AGENCY AND THEY HAVE YET TO GIVE A VALDIATION LETTER AND OR CONSIDER ALL DOCUMENTS THAT I HAVE SENT IN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. I have reviewed my credit report and have found multiple entries that are inaccurate and not reflective of my credit history. Please see the following items that require your immediate attention : XXXX XXXX Account XXXX : XXXX I have no recollection of ever having an account with XXXX XXXX XXXX As such, I can not update any information on the account as I have no information on it. I request that you remove this account from my credit report immediately. 

XXXX Account Number : XXXX I have no recollection of ever having an account with XXXX. As such, I can not update any information on the account as I have no information on it. I request that you remove this account from my credit report immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

I would appreciate if you could investigate these items and take the necessary steps to remove them from my credit report as soon as possible. I trust that you will handle this matter promptly and professionally. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX