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

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

15 U.S.C 1681 Section 602 A. State 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. 

15 U.S.C 1692 Section 806 Section 5. States- Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

15 U.S.C 1692b Section 5. States- not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692b Section 2. States- ( 2 ) not state that such consumer owes any debt 15 U.S.C 1692 Section 805 Section A. States ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 Section 805 Section C. States ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan with XXXX XXXX XXXX and learned that multiple inquiries were listed on my record. I have not and did not authorize the companies listed below to extend credit. Please remove the inquiries identified in my file. 

XXXX XXXX XX/XX/XXXX / XXXX Account XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX/XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX
Product: Debt collection

On XX/XX/XXXX, I received an alert via my credit monitoring company that VANCE & HUFFMAN LLC, placed an alleged collection debt on my credit report. Per the FDCPA, the company failed to provide a written request of Validation and/or contact me prior to placing the alleged debt on my credit report. The company has been sent a letter dated XX/XX/XXXX via Certified mail in reference to this FDCPA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are over 70 credit inquiries on my credit file with transunion, XXXX and XXXX and as everyone knows credit inquiries take over a year or two to remove that inquiry. For over 65 of the credit inquiries I personally didnt apply for so i now need these inquiries on all my reports.
Product: Debt collection

A firm by the name of XXXX XXXX XXXX contacted me about 3 months ago about a debt. Gave me a case number said I was getting sued if I didnt pay the amount owed over the phone. I told them to send me a debt verification letter in the mail, never received one. They quit calling until Monday XX/XX/XXXX. They have called the last 4 days beginning aXXXX XXXX XXXX from different numbers. Told the guy today that I needed a verification letter sent out, he says he is recording everything I am saying to play in open court. He says that the company retained them however when I contacted the original creditor they say the debt was bought by someone else. He says they have sent me 3 or more letters in the mail however they have not. He then told me he was going to put me on hold while I figured out how I was going to pay my debt over the phone. He left me a voicemail saying letters had been mailed out but on the voicemail the address he left on the voicemail was not correct. I tried to explain that to him and he argued with me and then told me the correct address but said that I told him I moved. He left me a voicemail telling me not to call their office back anymore and good luck with my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  GA XXXX Account # 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
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still 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 investigations, 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). 
1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Account inaccurately reported. Account number is different from other bureau. Also Past Due of XXXX in a collection/chargeoff account. This is inaccurate reporting and misleading. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not have any contract with this collection agency.
Product: Debt collection

Hello, I have attempted to dispute the account the collection agencies who have taken an account to collections with XXXX credit bureaus in the amount of {$610.00}. The debt does not belong to me, I have attempted to speak to them and have them validate the debt in writing and I have sent XXXX letters of validation to which I have receipts for and they have failed to respond to. Not only is it XXXX company disputing the same debt in collection but it 's XXXX different companies disputing it in different credit bureaus. I will be filling separate complaints to both companies. I am reaching out of your help because as a last resort before I reach out to my attorney. Please help me and I appreciate your time.
Product: Credit reporting or other personal consumer reports

Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section XXXX, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX XXXX XXXX. According to the FCRA, XXXX XXXX XXXX are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$XXXX} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$XXXX} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$XXXX} XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts and inaccurate information that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out several times i have sent police reports and identity theft reports please help
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXD XXXX XXXX  Owed : {$5200.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Owed : {$5500.00} XXXX XXXX XXXX Owed : {$630.00} XXXX XXXX XXXX Owed : {$200.00} XXXX XXXX XXXX  Owed : {$390.00} XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX  XXXX XX/XX/ According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XX/XX/2020 received a letter from collection agency regarding past due federal student loan. I immediately called the collector, Williams & Fudge. I was advised to consolidate my {$16000.00} loan along with a {$5200.00} penalty and collection fees. I was not offered any other options. 

Upon speaking with family, I found that there should be other options offered. 

I agreed to a Rehabilitation program offered for federal student loans. The collection agency promised to send me the agreement offered by the school. Instead of giving me the offer outlined by the university, the collection agency sent me a vague contract. This contract only included a monthly payment I was to pay of {$600.00} for 9 months. Nothing else. No terms as to what this payment goes towards or where my loan balance and payments are once the 9 successful payments are made. 

Two months of back and forth, they finally sent me a contract that includes terms. BUT, the terms are not what was agreed to. Still not complete, but they have managed to add over {$12000.00} in penalties to my original {$16000.00} 5 % loan. 

Upon more research I discovered that a collection agency can not cross state lines. They have made contact and continue to contact me at my parents home in XXXX XXXX. I am permanently located in XXXX XXXX   and have been even prior to their involvement. I have informed the agency that they are using the incorrect address and they don't care. 

In summary, 1 - They first deceived me into thinking that the only option was to consolidate and add an addition {$5200.00} to the loan and start over with payments. 

2 - Once they were informed of the rehabilitation offer, they still would not put the terms and condition into a contract. They continued to charge the {$5200.00} penalty even though that should have been reduced to only being on the past due amount and not the full balance. 

3 - I involved the Federal Student Loan Ombudsman office to try getting term included. They then sent me a new agreement outlining some, not all of the terms. The terms are not what we previously agreed to or what the university told us. 

4 - Finally, they are reaching across state lines as they are in XXXX XXXX and I am in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my student loan accounts with " XXXX '' after I consolidated my loans with a new company. So now my loans are consolidated with a new company, I called Experian to notify them that they are violating FCRA guidelines by displaying false and inaccurate info about me in my credit file. Experian said they didn't care and hung up in my face. I disputed the inaccuracies hundreds of times and Experian continues to display them in my credit file. Now Experian has denied me the right to dispute any inaccuracies on my credit file without sending me a frivolous dispute letter which is once again against the law. The only thing I can do now is contact the attorney general, CFPB and a private attorney. Experian has a too big to fail attitude and they are climbing up the ladder to success by stepping on the backs of hard working Americans. Experian is responsible for billions of inaccuracies and they have the attitude of " we don't care as long as we can earn a profit by violating FCRA guidelines ''. Anybody that calls and disputes inaccuracies is treated like a liar by Experian.
Product: Credit reporting or other personal consumer reports

improper use of my credit report and no proper validation
Product: Debt collection

This debt is being collected by a 3rd party CRA and is considered COVID-19 emergency natural disaster incurred housing debt. Debt reporting measures in reference to FCRA Regulation V were not taken into consideration by original debt holder prior to submission to CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have been disputing 2 accounts on my credit report since the beginning to 2020. I have sent multiple letters indicating the inaccuracies on my credit report. I have called the bureaus about my investigation and I was told on XX/XX/XXXX by Equifax that they do not have any of my information on file and that the last thing they have was something I submitted in XX/XX/2020. I sent a letter in XXXX of this year. The continue to report inaccurate information on my credit file.
Product: Mortgage

On XX/XX/XXXX, a payment inquiry was sent to Loan Care in order to find out what was the late balance owed from the Texas Homeowners Assistance program. My mortgage company never responded. I called them several times and they finally admitted to receiving it but did not respond. On XX/XX/XXXX the HAF payment was sent electronically to loan care, and they still have not updated the payment. Loan care is not handling this well. They can never seem to answer my questions. They confirmed the payment was received but can not tell me when they will process it. I will likely now get more late fees and have negative impact reported by them to the credit bureaus. Texas HAF sent {$10.00}, XXXX on XX/XX/XXXX to cover XXXX, XXXX, XXXX, and XXXX mortgage payments. On XX/XX/XXXX the payment has not been applied.
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 XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a XXXX on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the XXXX, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the XXXX be properly verified with physical documentation and in XXXX XXXX Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been several inquires made via my credit without my consent to different finance companies and banks. These are authorizations I didnt authorize
Product: Debt collection

PARAMOUNT RECOVERY SYSTEM Had bought 6 medical bills that are over 7 years old THEY WERE NOT MINE ( I HAD TO PUT FRAUD PROTECTION ON MY ACCOUNT ) and they were removed from all 3 of my credit Bureau 's back in 2019 it took me several yrs to get them removed because they were never mine in the 1st place at all ... They were just put back on all 3 of my credit reports and even updated to being new as of last month I contacted all 3 Credit Bureau 's and XXXX XXXX did remove them but XXXX  and XXXX only removed 3 of them I asked them to remove them they said they are mine and they are new I tried to tell them no they are not mine and they were removed/ deleted off my report back in 2019 and just put back on in XXXX of this yr I fought for the last 7 yrs or more to get them off my credit report and they finally took them off because they wee not mine then PARAMOUNT RECOVERY SYSTEMS just bought them updated them and put them on my credit report as new XXXX and XXXX will not listen to me I TOLD THEM GO BACK AND LOOK THE WERE REMOVED HONESTLY and I have been trying to get them removed again for the 2nd time, I was told once they are removed or deleted, they can not be put back on But they are back on and I worked so so hard over several yrs to get them removed they came back on again PLEASE I BEGG OF YOU CAN YOU PLEASE HELP ME AGAIN TO GET THESE REMOVED THEY ARE FROM XXXX LOOK AT MY REPORT I PAY ALL MY BILLS ON TIME THANK YOU