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

To whom it may concern : Experian XXXX XXXX XXXX XXXX XXXX XXXX I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 Inquiries XXXX XX/XX/ Experian I would like to formally request that the inquiries listed below be deleted from my credit report. I have not authorized these companies to view my credit history, so they are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). I would appreciate if these inquiries could be removed immediately.

Yours Truly, According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Mortgage

Ocwen Loan servicing is reporting totally different info to all XXXX credit reporting agencies. They are trying to say we missed 2 payments to XXXX but are on time, saying we missed 12 payments to XXXX but on time. My wife and I sent our mortgage payments to them with XXXX separate checks. Usually {$600.00} out of my account and the remainder out of my wifes account. What they did with the money from my wifes account we have no idea, but they are trying to say we were only sending partial payments. We have all of the proof. Since doing a loan modification loan with them back in XX/XX/2016, they REALLY have it XXXX. They were holding our payments in a suspense account for months, saying we were late, then applying a lump sum to the mortgage. We then received another loan mod kit wanting us to apply for another, saying they messed up on the first one and forgot to add some money in there somewhere and made us sign a new one which raised our mortgage payment from {$580.00} back to {$780.00} which is more than it was before we even did the 1st modification loan! They have been sued for XXXX dollars for the exact same thing. They are causing XXXX on myself and my wife because they have our credit scores so XXXX. They fixed it at one point with XXXX and my score went up to a XXXX. Within a week XXXX was showing the 12 payments missed and my score went back down to the low XXXX. They are very confused and most of this is coming from the loan modifications. I know its the law they have to provide the exact same info to all credit reporting agencies as I have spoke to the attorney generals office as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX {$250.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX {$6500.00} XXXX  XXXX {$540.00} XXXX XXXXXXXX {$540.00} FST XXXX {$870.00} XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a transaction with XXXX XXXX XXXX for a transaction which was a mystery box. On this day I would pay him {$300.00} usd which is XXXX gbp. On XX/XX/XXXX I told him if I can get any updates about the item, but he would not respond also he would block me. I contact Paypal about this XX/XX/XXXX and today i just got a message and they said they ruled the favor the scammer. Also, they don't reopen closed cases which kind of XXXX. Can you please help me get my money back, because PayPal is not doing its job?
Product: Vehicle loan or lease

On Saturday, XX/XX/XXXX, my mother had received a letter from 5th/3rd bank stating that my car had a total of {$1200.00} of payments in default. As she is co-signed on the loan, I knew I would be getting my letter soon, however come Monday I had n't received a letter yet so I had to rely on the pictures she had sent me when I called asking about the amount. It was the amount financed to purchase CPI, and I had n't paid anything towards it since a letter was sent regarding my insurance expiring obligating me to send proof that I was holding insurance. I had received a letter in XXXX and had XXXX send a policy binder in XX/XX/XXXX 

Since the CPI was still applied on XX/XX/XXXX I asked if they needed me to send proof of insurance again. They confirmed this, so I sent another binder to the fax number they provided me ( XXXX ) and called every day afterwards only to be told on Thursday,XX/XX/XXXX, that they do not accept policy binders and I was instructed to fax a declarations page. I called XXXX and had them fax a declarations page and continued to call asking for processing information, only to learn today,XX/XX/XXXX, that it was n't processed because I need to make my payment for XXXX before they can accept it as current. Not only that, but XXXX informed me that 5th 3rd bank would have found a declarations page on page 5 of the binder had they looked. 

I am now going to have to wait until tomorrow in order to send another declarations page and wait 3-4 business days before I am able to confirm that it was processed, all while hoping my vehicle is n't repossessed in the meantime. 

I also am not able to attach digital documents because 5th 3rd has repeatedly refused to deal electronically and had only handled business over the phone.
Product: Mortgage

I had XXXX XXXX  they gave forebode credit never told me that to get back to my regular mortgage I would have to to pay all the missed payments. Its like XXXX dollars all at once
Product: Student loan

XX/XX/XXXX Applied for IDR before loans go into repayment. Application appears complete on StudentAid.gov but Mohela says still processing. XX/XX/XXXX called Mohela : and gave up. Not called back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called Mohela Spoke to someone XXXX in training. She has no idea what she '' s doing. Puts me on hold over and over. She says it looks like the IDR request from XX/XX/XXXX is in process. System error resolution? Can not answer if the standard payment will count towards pslf or if will get refunded. Recommended to refile IDR request, which I did XX/XX/XXXX. Still processing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mohela Spoke to XXXX at XXXX in training.XXXX  is very nice. asked if level payments count. XXXX thinks they do but wants to verify. put me on hold to ask their " mentor '' for 15 min. Says yes they count and will continue to count. asked status of IDR requests from XX/XX/XXXX and XX/XX/XXXX. States I could stay on the level plan if I want if i '' m comfortable with payment. Transferred to specialist, XXXX. she says that if the IDR plan payments are higher than the level, it will be not be enacted. they will automatically save me money. this call took 1 hour XXXX XXXX XXXX XXXX XXXX XXXX XXXX Meeting with XXXX XXXX level plan with XXXX  until the last 12 months but funding could be gone when it '' XXXX gone. Confirmed that level plan will not cover PSLF if consolidated loansXXXX need to ask for it in writing. need to request to be on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at Mohela I Asked to be placed on IDR. She can '' t tell if application was denied. Agrees to do the IDR certification over the phone. told it takes 15 days She clarifies that for consolidated loans over XXXX, level plan does not qualify. She reads the rules and acknowledges that I was misinformed last time I called. She takes notes and transfers to advanced representative to confirm that my XX/XX/XXXX and XX/XX/XXXX and potentially XX/XX/XXXX payments will count. XXXX  XXXX  me on hold XXXX XXXX. States that won '' t know if my XXXX payment will count towards PSLF until I re-certify. My new IDR request may take 15 days. I have the option of going on forbearance to avoid another payment on the level plan. I can file a complaint. They are not sure about my XX/XX/XXXX payment counting though was placed on admin forbearance by them.
Product: Student loan

I have been trying to repay my daughter 's student loan which is now administered by ED Financial. Every time I've tried to submit a payment through their Auto Pay option the payment gets reversed. This has happened on four occasions. I have yet been unable to have a payment go through. Mean while my interest keeps accruing on the loan. This in fraud!!!!!
Product: Credit card or prepaid card

Capital One 1 ) Didnt provide me with the Original Contract With my signature 2 ) I didnt sign any contract with the collection agency that was harassing me, I dont have relationship with the collection company or a valid contract with the collection agency 3 ) The charge is off and was send to a collection agency 4 ) Capital One have inaccurate information in my credit report 5 ) The last active of the last date payment dont match between XXXX and XXXX The report dont accurate and must be remove 6 ) On Transunion the last date active is XX/XX/2019 On XXXX The last active is XX/XX/2019 XXXX ) I was really ill and affected by XXXX and my main job was closed and even like that Capital one that sent the account to collecting and sold the debt to collection agency was still harassing me by email to pay
Product: Debt collection

They contacted my relatives looking for me, I thought they were debt collectors not XXXX XXXX
Product: Vehicle loan or lease

I was denied the loan at the fault of USAA because the lack of training of the USAA representative so I wrote a letter to the office if the CEO, I was referred to a resolution group, the manager to the office of the CEO ( XXXX XXXX ) only said the representative was reprimanded but granting my request of financing my vehicle after the representative mistake was not going to happen. I was at the table to sign for my car loan because I was told by one representative that I was granted an extension because of the vehicle was being built and it did not have a vin number. Once I was denied, my credit had to be ran between 5-7 times to try and find anyone to finance my vehicle.but my credit was destroyed after the multiple Hard Inquiries within so little time. I suggested to them to resolution manager to finance my vehicle with a very low interest rate and make my payments back to what I was offered to pay {$670.00} but I was denied the request by XXXX and instead checking what could be done, I was immediately shut down and no resolution was even offered but I left to pay a different bank {$1200.00} for my vehicle. I thought this entity was supposed to help veterans but instead not owning up ti their mistake and fixing the problem. Ive tried contacting them to speak ti a different resolution manager even when I made a request not to speak to XXXX XXXX but always ended up talking to her and left very angry. I also found out that I wasnt the only veteran that suffered from the pitfalls of USAA. 
Thank you Respectfully A very concern veteran
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXX XXXX XXXX XXXX {$1300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX
Product: Credit card

On XX/XX/2023, I received an automated email from Chase thanking me for requesting a new credit card. I did not initiate any request for a new credit card. XXXX sent me an email notification on the same day alerting me of a " Real-Time Credit Inquiry '' initiated using my information. On XX/XX/2023, I received a second email from Chase requesting information and documentation to complete the application process. I did not respond to this email. On XX/XX/, I received another automated email from Chase thanking me for requesting a new credit card. Again, XXXX sent me an email notification on the same day alerting me of a " Real-Time Credit Inquiry '' initiated using my information. On XX/XX/2023, I called Chase to alert them of the fraudulent activity, but they were not able to do anything at that time as their computer systems were down, so they told me to call back the next day. I called back two days later on XX/XX/2023, and they responded appropriately by closing the application request ( s ) and sending me information on the next steps. Later that day, received another automated email from Chase thanking me for requesting a new credit card. However, I did not receive another alert from XXXX this time. One of the next steps was to contact XXXX, whom I have an account with, to dispute the case ( s ). XXXX told me they would process this, but I also needed to file a report at FTC.gov. So here I am, reporting the issue. Once the report is filed, I need to upload a copy to XXXXXXXX including my ID ( driver 's license ).
Product: Vehicle loan or lease

On XX/XX/XXXX I paid off lease account number XXXX in full to purchase a XXXX XXXX XXXX on XXXX website and I faxed over mileage odometer statement. I spoke to XXXX at Hyundai Finance XXXX on XX/XX/XXXX and she told me payment was received on XX/XX/XXXX and title should be mailed out on XX/XX/XXXX. I have since been talking with XXXX  Hyundai in XXXX where I originally leased vehicle to XXXX in Finance department XXXX regarding title that was lost in XXXX and duplicate registration fees of {$260.00} that are owed to me that paperwork was never returned to DMV before she started working at Hyundai. XXXX said she submitted application for duplicate registration fees and is about to submit title paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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

See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status.The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form XXXX and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.
Product: Credit reporting or other personal consumer reports

Please delete all these fraudulent accounts none of the listed is associated with me. 

The account listed are not transactions done by myself. 

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditors - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description of each creditor and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of XXXX 

XXXX XXXX : collection account - A charge off with a 3rd party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have the consumer reporting agencies delete this from my report immediately and indefinitely. XXXX XXXX XXXX
Product: Credit reporting

I do n't know how I got fooled by Trans Union 's website into agreeing to their credit reporting service. I am a somewhat sophisticated computer user but they still got me. Their web site needs to be fixed, to be more straightforward. 
XXXX XXXX XXXX XXXX XXXX # XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX. Please take an action with this innacurrate accounts.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I received an email from Experian stating my credit score had dropped. When I checked my score, I saw it had dropped 25 points. I checked my credit report, and it showed no reason for the drop. I called Experian on XXXX ( they're only available M-F, XXXX ) and they referred me to FICO. FICO sent me back to Experian. 
I called Experian again XXXX and spoke to a supervisor named XXXX. He was dismissive, claimed my 25 point drop was normal, and that if I want to know what caused the point drop, I'd find out when I applied for a loan. I explained that I want to fix the problem BEFORE applying for a loan ; and he said a 25 point drop is something he " sees everyday '' and claimed it was based on my open credit. I explained I haven't opened or closed credit accounts in 4 years. He dismissed me and offered NO help to figure out why my credit dropped suddenly. He claimed my concerns were baseless.
Product: Credit card or prepaid card

XXXX XXXX XXXX closed my account due to there fee 's I do not want my credit report getting hit due to XXXX XXXX closing my account
Product: Mortgage

I've made request to receive a copy of all denial letters in regards to my previous loan modification requests. 

Bank of America has not provided these letters.