23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Approx. XX/XX/XXXX, XXXX XXXX XXXX XXXX, a collection agent for XXXX negatively affected my credit rating by reporting to the major credit bureaus an account balance for services sold by them in XXXX, IL allegedly to me. I disputed the debt at that time and that negative report was deleted. 

Then in XX/XX/XXXX, IC System, yet another collection agent for XXXX sent me a collection notice for the exact same debt. I denied that it was my debt or had anything to do with me and asked them to provide me with documentation verifying the debt which has not been forthcoming. I have never ever lived in XXXX, IL nor had any account with XXXX. IC System or XXXX never provided me with any proof that the item was my debt. I have never asked for services from XXXX, never lived in IL, never signed a work order of any kind and definitely will state that there is nothing in existence that XXXX can produce that will verify their alleged debt. What they sent me is attached and is not in fact " verification of the debt '' under the Fair Debt Collection Practices Act. It is merely a copy of an invoice made out in my name at the Illinois address. 

Once again, in violation of the Act, and in what I consider is attempted harassment and intimidation, XXXX through its agent has again negatively impacted my credit rating with the major credit bureaus by reporting this as a uncollectible bed debt under my name and social security number. 

My name is fairly common around the world. I have been a businessman in RI for at least three decades. I have multiple professional licenses in RI and NY and have an exceptional credit rating. I have nothing to do with this debt and XXXX and their various collection agents need to stop this practice of harassing and attempting to intimidate unrelated third parties without verifying their own facts first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX   XXXX {$300.00}
Product: Checking or savings account

Banked with truist for almost XXXX  months now and never had an issue until i decided to start funding my account and using my debit card to pay my bills, they locked my debit card which is fine, called to have it unblocked no problem and they end up locking it again but this time they are saying i have to come into a branch to do so which IS a problem. Truist bank is nowhere near me in my state, its an out of state bank so thats literally not an option. Bank locked my online banking with money still in my account lol, i tried an ACH transfer and set up bill pay payments and i tried to log in just to find out my account is restricted for security reasons. This has been XXXX of the worst banking experiences i've ever had and im not being treated like a customer at all. its almost like truist isnt allowing me to use my money the way i want or access my funds properly. Ive had no problem up until i made a large deposit into my account and started using those funds. 

i have no problenm verifying myself any other way but going out of my current state just to visit truist bank is not an option.
Product: Credit card or prepaid card

I obtained a copy of my credit report and realized there were two credit card accounts ( Capital One and XXXX ) tied to my name so, I disputed both accounts. After the dispute process, both accounts were claimed to be verified by the credit card companies. These accounts were opened fraudulently on my behalf and I would like them removed from my report immediately.
Product: Mortgage

My loan was transferred from XXXX XXXX XXXX to Selene Finance around the beginning of XX/XX/year>. I got a phone number from XXXX for Selene Finance to call and make a payment. The number being ( XXXX ) XXXX. When I called the first time, an automated message told me that I had to wait until I received a letter in the mail with my account number on it. I received that letter XX/XX/year>. The letter told me to call the number above. I called a second time and was able to get a hold of a representative who submitted my payment on XX/XX/year>. I also created my account the same day and and it told me that my payment was received XX/XX/year>. A week later I received a letter saying that I have not paid my loan yet. My account says there was a processing error on their end and that it was denied and then the error was revoked, and it was processed again.. I then submitted a second payment online XX/XX/year>. I then received a letter XX/XX/XXXX saying I still have not paid my loan. I have tried calling approximately 20 times, was led in circles through their automated system, and was still not able to talk to any representative of the company. I have requested help via email to no response. In the 5 years I've had my mortgage, I've never been late and I've never had this issue with previous mortgage companies.
Product: Credit reporting or other personal consumer reports

FRAUD ALERT : THIS IS NOT A DUPLICATE SUBMISSION : I AM REPORTING FRAUDULENT AND ILLEGAL PRACTICES of Equifax Customer Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs Equifax indicated XXXX  XXXX Bankruptcy XXXX was UN-VERIFIED and not Reporting to my consumer report. Equifax, and XXXX removed the XXXX  XXXX Bankruptcy XXXX XXXX on XX/XX/year>, due to inability to verify. Following Recorded Phone Call on XX/XX/year> CONSUMER XXXX XXXX XXXX spoke to, Equifax Customer Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs, Regarding my XXXX  XXXX Bankruptcy XXXX UN-VERIFIED public record. Immediately following that conversation on XXXX XXXX XXXX Bankruptcy XXXX XXXX public record was reported by Equifax . On XXXX XXXX I contacted XXXX to confirm if my consumer file had been accessed for the purposes of Data Verification. XXXX confirmed my Security Freeze was active and has been ACTIVE since XXXX XXXX. I have obtained a copy of my Consumer File. Equifax Customer Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs, fraudulently and illegally obtained access to my file through the Credit Karma Site by way of the PRE-QUALIFICATION PORTAL. EQUIFAX HAS BEEN UNABLE TO VERIFY MY ACCOUNTS DUE TO CREDITORS REFUSING and electing to falsify my owing balances on Discharged Closed Accounts. 

I have attached evidence proving the gross misconduct of Equifax Customer Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs. 

The Fair Credit Reporting Act ( FCRA ) protects consumer information, including credit reports, and prevents the sharing of this information without a specified purpose. The FCRA gives consumers the right to access their credit reports once a year for free, and to limit unsolicited offers for credit and insurance. The FCRA also specifies who can access a consumer 's credit report, and both the credit reporting bureau and the person seeking access without a valid reason can be held liable if they breach the law. 
The FCRA governs how credit bureaus can collect and share information about consumers, which businesses may use for many purposes, such as deciding whether to make a loan or sell insurance. The FCRA also gives consumers the right to : Know who requested their credit report within the last year Seek damages from anyone violating the FCRA The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) are responsible for enforcing the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to collection company and would not provide any information of hospital. Also requested itemized letter and never receive even after agent stated would expedited but never received it. In accordance with the Fair Credit Reporting act. 
The account below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX under 15 USC 1681, 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX, National Credit Adjusters placed a collection account on my record ( XXXX XXXX, XXXX and XXXX ) for an amount of {$310.00} as a debt buyer. I happened to view my credit report and noticed this debt. I was never contacted by phone or letter about this debt prior to it being reported. I have lived at the same address and have had the same phone number for the last 7 years. I recently moved but I updated my current address with the credit bureaus as well as forwarded my mail. I feel the company could have contacted me and validated the debt. I did not know what it was for. Until recently I was made aware through viewing my credit report, they updated the collection to add XXXX XXXX XXXX. I disputed the collection with all three bureaus requesting a validation of debt and all came back as verified as accurate. I disputed this debt on XX/XX/XXXX with no response and on XX/XX/XXXX and it came back as validated. I have never heard of this company and to my knowledge I thought XXXX XXXX XXXX was paid in full. I never once received a phone call or letter in the mail regarding an outstanding bill. How can they place something on my credit and damage my good credit history without contacting me and giving me a chance to verify the debt and to pay?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : XXXXConduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXXUpdate my credit profile to reflect the correct information as listed above. 
3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

XXXX XXXX XXXX XXXX - Experian Dispute Results # XXXX ( ( Covid-19 ) On XX/XX/21 I submitted a dispute to Experian via their online portal. I included supporting documentation which proved the account should not have been sent to collections by the original creditor due to COVD-19 On XX/XX/21 Their dispute results came back updated and the collections debt remains on my credit report. 

This debt should never have went to collections. The original creditor/collections agency was notified in writing by certified mail that this debt is invalid. 

Experian did not investigate my dispute properly and only updated information, ignoring my supporting documentation which proved this account should have never been sent to collections. This is also a HIPPA violation as my information should have never been shared with an outside party.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX:** Cease and Desist 
FCRA 605(b) Violation for Failure
to Investigate


To Whom It May Concern,

This letter serves as an aggressive
notice to demand compliance
under the Fair Credit Reporting Act
(FCRA) 605(b). You have failed to
investigate and remove inaccurate
information regarding accounts
that I never opened, despite prior
disputes and su
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX  XXXX XXXX  XXXX XXXX Balance : {$8100.00}
Product: Debt collection

First of all, they closed all three accounts without notice when they were all in good standing. Now if i am late one day, they are calling me which seems to be every day. I have told them to stop calling my work phone number and gave them another number they could call and it stopped for a while but now they are calling me every day multiple times a day. People get behind and i have told them but nothing sinks in. I have a business to run and they need to stop calling my work number and call the phone number i have provided. Also i keep getting emails to change my address but the online portal wont allow it. I pay my bills just a little late it not like i can go run up a card again. This is starting to feel like harassment. I will never recommend synchrony for as long as i live.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a request to Transunion for them to update and investigate inaccurate information from XXXX XXXX that is reporting an account on my file that is from an account that I never opened with XXXX XXXX XXXX. They have been unable to send a contract from the original creditor showing the account is accurate and valid, while Transunion is completing their investigation after only 7 days. This shows that Transunion is violating the 30 day rule and are siding with the debt collector without doing the proper investigation to verify the accuracy of this account on my credit report, due to this fallacy I ask that this account be removed from my credit report and for my information to be updated. If not then I have no problem with taking my case to an attorney for advice on this matter
Product: Student loan

As I graduated from the University XXXX XXXX in XX/XX/XXXX as a single mom my student loans became due. At various points throughout my repayment plan I needed an income based reduced payment plan. Navient NEVER offered me anything other than forbearance or deferment plans with accumulating interest. I could not afford full payment so I had no option. When I requested Navient review of my loans due to being a single mother working full time in the XXXX XXXX XXXX field as well as living in Section 8 housing and still not able to consistently pay the full amount of my monthly payments due to the non-negotiable 8 % interest rate I was told by Sallie Mae and then Navient that I didn't qualify because I had no property with which to secure the loan. 
My student loans, due to interest from these periods have now more than doubled to over {$100000.00}. In XX/XX/XXXX when I heard about the option for income based repayment with Navient due to their illegal practices prior, I immediately applied and was approved. 
THE PROBLEM Due to all of the accumulative interest, my now " income based '' payments don't even cover the ongoing accumulative interest on the principle plus interest balance of over {$100000.00}.
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( XXXX  v XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Debt collection

Sent out a letter to Cease and Desist communication and I continue to get frequent calls that I take as harassing.
Product: Debt collection

On XX/XX/XXXX AWA collections started collecting for an already previously indicated fraudulent account. 
The same information was reported to the credit report on XX/XX/XXXX. This is a clear violation of the fair debit reporting act. Had this company notified me prior to placing this account on my credit, they were received the documents necessary to remove this account from their system as a fraudulent account. This is a clear violation of : 15 USC 1692g sec 809 Fair debit collection practice act. 

The information that AWA is trying to collect for was already removed from the credit report from a previous collection agency trying to collect on the same debt. That debt was deemed a fraudulent debt it was probably removed from my credit report. AWA was notified on XX/XX/XXXX from me as well as XXXX of this error and made no action to correct it. This is a clear violation of section 15 U.S.C. SS 1681i Of the fair debit collection practice act. 

AWA collections then started feeding me false and in accurate information. Id ask for the fraud department and I received no way or means of contacting this department. I was told that a supervisor will return my calls the very next day who deals with these issues. That was on XX/XX/XXXX. Unfortunately no call was ever placed in response back to me as of todays date. 
This is a violation of 15U.S.C.1692e SS 807 false or misleading representation. 

AWA collections was given prior notice of this debt being a fraudulent account by XXXX and by myself. This information was given immediately following the original reporting of this debt by AWA collections on XX/XX/XXXX. AWA collections failed to sis collection of this debt after been notified prior that this is a fraudulent account. Fair to do that violates section 15U.S.C.1692F subsection 809 ( a ) ( 4 ) ( b ) Validation of debts.
Product: Debt collection

I.C System Inc.XXXXXXXX XXXX XXXX {$2000.00} I have called and asked this company to provide me proof that I opened this alleged account that was opened under a different company name while I was in bankruptcy and they refuse to provide me any proof.