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

Absolute Recovery Services , LLC and XXXX XXXX XXXX are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I Did NOT give my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

These are the accounts that need to be removed : Account name : XXXX XXXX XXXX Account number : XXXX These are the accounts that need to be removed : Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and I am requesting for XXXX to thoroughly investigate these fraudulent accounts without using XXXX system to verify them. Your company is violating my rights and I will be filing a lawsuit against XXXX if these fraudulent accounts are not delete and removed immediately under FCRA 605B. These following accounts need to be deleted and removed immediately due to fraud and identity theft. Someone used my personal information without my permission to obtain these fraudulent accounts : 1. XXXX XXXX Account Number # : XXXX 2. XXXX XXXX XXXX Account Number # : XXXX 3. XXXX XXXX Account number # : XXXX 4. XXXX XXXX XXXX XXXX XXXX Account Number # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Student loan

I was switched to Edfinancial as my loan provider. I had 2 loans. 1 was a XXXX loan I kept open as the interest rate was low on it. the 2nd loan was my large graduate school loan that was consolidated. They swithced my payment amounts for each loan. Meaning, I was paying {$470.00} to the large grad loan and {$64.00} to the small XXXX loan. When I was switched to this loan provider, they switched those payments so my {$470.00} dollar payment was going to the small XXXX loan and my small payment was going to my large graduate loan. 

I called about this initially on XX/XX/XXXX and continually have called back over the past year where I was told this would be escalated and sent to finance to process. I just received a letter in the mail that my small loan has been paid off. This is not what I wanted. Due to this error and now that the interest on loan repayment has begun, I am missing out on having paid down for of my loan over the past year and having to accrue a larger interest rate due to their error. They correct my loan payment after a year but then did not switch the back payments to the correct loan meaning now that interest has resumed I am having to pay a larger sum toward interest. 

Additionally, they have now changed my loan payment amounts with no reasoning provided. I am and always have been on a standard repayment plan. My payment amount should be fixed and not changed. Over the past few payment cycles my loan payments are varying and now they are set to be a smaller amount XXXX when my payment has {$470.00} for years. 

I have attempted to call back multiple times in the past few months trying to call back method ( which no one returned my call ) and also having waiting on hold to speak with a representative for 6 hours until I was disconnected. 

I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the past few months alone and have not been able to get this corrected. 

I need to have these issues corrected and my payment amount to be correctly adjusted. I have had this issue " Expedited '' 3 times now with apologies but no corrections or contact has been provided. I have signed up for paperless notifications from edfinancial to have that info come to my email but I only get letters in the mail with these changes to my account that are not correct.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX ACCOUNT # : XXXX I HAVE DISPUTED THIS ACCOUNT ON XXXX THE COMPANY UPDATED DISPUTE TO VERIFIED AND CERTIFIED AS ACCURATE INFORMATION. how can this be when there was no proper investigation done. i know it wasnt done becuz the proof of procedure had not been provided. also i have NOT permitted any reporting agency or othe company any PERMISSION and or CONSENT to furnish my credit profile THIS IS A VIOLATION OF THE XXXX XXXX XXXX XXXX XXXX ALL COMPANIES INVOLVED ARE IN VIOLATION OF THIS LAW REMOVE THIS ACCOUNT FROM MY CREDIT REPORT NOW THANK YOU also THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /LAST REPORTING DATE/BALANCE/PAYMENT HISTORY/ACCOUNT STATUS IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

XXXX XXXX XXXX XXXX ( B ) & XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Code XXXX theft prevention ; fraud alerts and XXXX XXXX alerts XXXX XXXX Code XXXX - Block of information resulting from identity theft XXXX XXXX XXXX AND XXXX
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. 

I DID NOT AUTHORIZE THE FOLLOWING COMPANIES TO PULL MY CREDIT : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have 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: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts.
Product: Debt collection

In XX/XX/2018 National Credit Systems put a debt that was my daughters for a past rental debt they said they put it on my credit because I signed an application that said I was a Guarantor for this debt I was planning on co-signing for it but was told by the assistant manager that they didn't need it then a week after they realized they messed up they wanted me to sign and I refused the apartments XXXX XXXX has never provided me the documentation stating this my daughter paid even more than what was owed due to the fact she needed a place for her sons and they knew it so they would not negotiate on the debt AND made her pay more than was owed!!!!!!!!!! Now I can not get approved for any housing because this is on my credit if I signed something I will shut up and move on but send me the docs with my name that says I am a Guarantor OR TAKE IT OFF ALL MY CREDIT REPORTS NOW!!! This is insane how this collection agency did us how can they put a debt on your credit without a paper trail???????? I continue to send 100s of emails demanding they take this off I am so frustrated!
Product: Credit reporting or other personal consumer reports

I am requesting the name of the " original and any intermediary or vendor source or source '' Experian used to verify a disputed bankruptcy record. Experian completed its investigation on XX/XX/XXXX  for report # XXXX. My request for this vendor is consistent with the FCRA law which states that CRA 's must provide the " source of information '' upon request. Additionally, according to a press release dated XX/XX/XXXX  by the CFPB, CRA 's are required to provide consumers the following : Must be provided the information in a format that will assist them in identifying inaccuracies, exercising their rights to dispute any incomplete or inaccurate information, and understanding when they are being impacted by adverse information. 

Must be provided with the sources of the information in their file, including both the original and any intermediary or vendor source or sources. 

Experian continues to refuse my request for this information prohibiting me from conducting a full dispute to correct this inaccurate information. THIS DISPUTE IS NOT A REQUEST FOR VALIDATION OR VERFICATION. It is a request for the sources of the information.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I pulled my credit to find I had multiple accounts that was not mine and some of my reports has stated that my credit had been ran over a XXXX times in a year span for some I have continuously disputed everything that didnt belong to me and well that hasnt worked so I been reaching out to the creditors and well I spoke with a company called XXXX that was reporting a secured credit card that I supposedly opened Ive disputed multiple times and same answer it has been verified is what the credit bureaus had advised me after all the documentation Ive had to send over to prove my case well the representative from XXXX proceeded to pull this fraudulent account and I stated Ive disputed it with the credit bureaus she said maam we have not received a dispute but I will be happy to help get this off your credit I will have this sent to our fraud department because she said if it had been disputed then notes of the investigation process would be documented on your account so with that being said we take our time to put our faith in these so called credit bureaus that take our information makes us jump through all kinds of hoops to send documents and not to mention the XXXX it is to speak to someone the hold time is ridiculous and thats if you can ever figure out a way around the virtual XXXX  thats absolutely no help my credit is suffering because these bureaus refuse to do their job properly
Product: Credit card

I fell behind on my credit cards, I then searched for a deby consolidating firm, find one all is well making payments, then the bank failed to pay the consolidating firm urging they did not recongnize their bank. No word this happened until I get multiple documents opened and my social plastered all over the documents from a law firm I quickly recognize the lawyers, whom I had a problem with 9 years ago. I send six emails then called Debt consolidating firm after. I try to resolve. I then send a complaint to XXXX and they stop the harrassment. I send the lawyers a cease all notices to my home. I explained to XXXX that I was harrassed and threatened with jail 9 years ago and since that was their tactics I did not want them to do it again. 
The lawyers responded with " we do not harass I just refuse to pay, and that they were within their right to persue me. I never stated that the harrassment was recent only that my dealings with them prior to this was indeed harrasment calling me at night on the weekends and the threat, was prior to this current situation and that I did not want that to happen gain. I will forward all docs to you via mail. The lawyers are XXXX. based in XXXX. I went to a lawyer for a free consultation ( XXXX in XXXX XXXX XXXX ) who asked me to forward a letter to each creditor asking for them to re visit my balance and allow me to pay {$25.00}. I am not trying to get out of it I am trying to make it right. All I ask is that they respect my right. They are after me and it id personal because I filed several complaints. 
This is not fair and they continue to send notices to the wrong apartment even after I gave them my correct name used and apartment number. I am in the middle of a seperation that is painful enough. I am looking for anaffordable apartment and I have a XXXX year old to contiue to nurture and be ready for college. If I were trying to not pay I would have claimed bankruptsy like the rich. I want to settle and pay off my debt. 
XXXX XXXX
Product: Credit card or prepaid card

Yes back in XX/XX/2019. They closed my account. I lost my card. They sent out replacement. But in credit report. Says account closed or purchased by other lender. They must contact all 3credit bureaus. Have closed account deleted. I'm on XXXX  going thru hardship.
Product: Mortgage

My property is scheduled for Foreclosure Sale on XXXX/XXXX/15 by Green Tree Servicing , LLC ( GT ). Due to a security leak, my Personally Identifiable Information ( PII ) was compromised by Federal authorities. As a result, I have a freeze on my credit with the XXXX major Credit Bureaus ( XXXX, XXXX, and XXXX. ) To process my Loan Modification request, GT had to access my credit report and requested that I lift the XXXX security freeze. In response, I requested a temporary lift of the freeze for GT for a specific period of time. GT, however, still could not access my credit with XXXX. XXXX is the only Credit Bureau Green Tree uses. XXXX provided an Access Code ( for a " Selective Security Freeze Lift. '' ) which would allow only GT to access my credit report for a limited period of time ( another {$5.00} XXXX charge ). Green Tree was not able to use XXXX Access Code. There is no place to enter a code into GT 's system. XXXX, Loss Mitigation Dept., claims she has real time access to XXXX data, however, XXXX does not sign directly into XXXX credit system and can not enter the XXXX Access Code. I was instructed by XXXX that I would have to completely remove all Security freezes before they can access my data since she has no way to enter the XXXX Access Code. XXXX was informed there would be another {$5.00} charge to completely remove the freeze and another {$5.00} to invoke the freeze again. XXXX said that was the only way she could pull my credit. Although I did not want to open my credit information up for all inquiries because of my PII security being breached, there appeared to be no other option if GT was to continue with the Loan Modification process. After I initiated the complete security freeze lift with XXXX, GT still could not access my credit. XXXX 's supervisor told her she would have to wait until the next day to determine if they can access my credit. XXXX told me the entire Loan Modification would be on hold until she can pull my credit report. It appears GT does not have real time access to XXXX credit data although when XXXX was questioned, she said several times that she did have real time access. It appears that GT is batch loading credit data into GT 's system via overnight computer run. This has added at least XXXX days to processing my Loan Modification. A foreclosure sale is in less then a week. GT has forced me to abandon my prudent security measures making me vulnerable for additional fraud, and they still can not access my credit.
Product: Checking or savings account

Balances would not reflect deposits or funds would not be available which then caused fees to account although moneys were in account.
Product: Money transfer, virtual currency, or money service

PayPal is holding {$220.00} of my funds. 
They wouldnt put it on my PayPal credit, release it to me via check, nor deposit it to my credit card. 

They insist that they can only do it after I upload pictures of my ID and my Social Security to them. Being a security professional myself, I absolutely refuse to trust PayPal servers such information. If they insist on possessing such information, I refuse to be their customer, but they hold me hostage by  holding my money. I have never signed an agreement with them allowing such intrusion in my privacy. 

Please make them pay me my (! ) money I unsuccessfully discussed this issue XX/XX/2018 with XXXX, Badge ID  XXXX and with his supervisor XXXX, ID XXXX on the phone ( XXXX ) XXXX. 
I also emailed on XX/XX/2018 the following PayPal executives with no response : XXXX XXXX, Customer Solutions Group Leader, ( XXXX ) XXXX o XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX, Chief Financial Officer and Executive Vice President Global Customer Operations o XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX, Executive Vice President and Chief Operating Officer o XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, Chief Executive, President and CEO XXXX o XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

I have filed MULTIPLE complaints against Experian. I THOUGHT this was resolved when they finally removed the the derogatory account after disputing this since XX/XX/2020. They then added it back to my credit causing additional damage to my credit files.. 
XXXX XXXX NEVER VALIDATED THIS DEBT!! *** ***ACCOUNT WAS PROTECTED UNDER Service members Civil Relief Act*** EXPERIAN FAILED TO PROVIDE PROOF OF VALIDATION METHOD EXPERIAN HAS REFUSED TO CORRESPOND AND HAVE ALL INFORMATION NECESSARY TO REMOVE THIS ACCT AND VIOLATED CREDIT REPORTING LAWS WHEN THEY REMOVED THE NEGATIVE ACCOUNT THEN ADDED IT BACK EXPERIAN IS THE ONLY AGENCY THAT HAS NOT PERMANENTLY REMOVED THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

This Acct is inaccurate i will provide proof, Incorrect information on your report XXXX XXXX Is Reporting Duplicate Acct on My XXXX report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX  ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from XXXX XXXX XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, XXXX sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX XXXX, Petition # : XXXX with a date of file being XX/XX/XXXX. XXXX can find no evidence that XXXX XXXX was under bankruptcy protection during the time XXXX owned his account. Unfortunately, XXXX can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As XXXX  is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Department ATTACHMENTS 5_CFPB Response XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I keep getting phones from  Delta Management , foreign man : who calls just about everyday, home number, cell number and work number. I ask him who he is representing, cause I do n't owe anything to  Delta Management , but he refuse to say until I verify my personal information with him. I refuse to verify my information, cause once again ; I do n't know who he is representing. Also, I have had some of my social media ( facebook friends ) call me or text me to tell them that this man has been calling them to ask about me and my personal information. He would ask them where I work, where I live and do I have any other phones number to be contacted on. I do n't even see these people or talk to them on a regular basis and I felt bad that he has bothered them. So I did put a fraud report on facebook for this company.
Product: Money transfer, virtual currency, or money service

Dear Sir or Madame, I filed a complaint/action with Coinbase approximately XXXX for potentially fraudulent activity on my account. Coinbase locked my account. I eventually was able to access the account, but it had a {$0.00} balance as of XXXX. On XXXX, I had a balance of approximately $ XXXX. Coinbase allowed the money to be removed three ( 3 ) after I reported fraudulent activity resulting in a {$0.00} balance. The issue has not been resolved and frustration continues. They have not made any attempts to replace the funds. 



Thank You in advance. 



XXXX XXXX
Product: Debt collection

I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party.I have no knowledge of the debt and request it be removed from all bureaus ... it is negatively affecting me.
Product: Credit reporting or other personal consumer reports

My credit report contains items that are the result of fraud, none of which I have ever benefited from or had any involvement with. Despite taking the responsible step of reporting this issue to the Federal Trade Commission, these fraudulent entries continue to remain on my report. This ongoing situation is deeply frustrating and feels like a complete disregard for my rights as a consumer. Its incredibly distressing to see my financial reputation tarnished by something I had no control over, and the continued presence of these items is causing me significant stress and XXXX. It feels unjust to have to endure the consequences of someone else 's fraudulent actions while my own efforts to resolve the matter are ignored.