23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I try to dispute this company back in XXXX of 2020. I do not owe this company, I have never had a contract of any sort with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account that was created fraudulent. I have disputed XXXX XXXX and Experian continues to just update and drop my score every time. The company has hired an attorney and has sent them a contract that does not belong to me. 

The contracted stated I put {$2000.00} down and that is incorrect. The car lot required me to put down {$1200.00}. I gave them {$600.00} and the balance of {$600.00} was due when they finished repairing the car. Upon repairing the car then I would get the official contract to get ownership to the vehicle. 

I request that you remove the fraudulent account that was created to make a sale and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details Experian responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX CXXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$640.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Reporting Unauthorized Credit Inquiry I have requested the removal of unauthorized credit inquiry/inquiries on my credit report from all three credit bureaus and upon checking, my latest credit report STILL shows inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX, 15 U.S. Code 1681e - Compliance Procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX , 15 U.S. Code 1681e - Compliance Procedures XXXX XXXX XXXX Reported Late on XX/XX/XXXX {$42.00} & Past Due XX/XX/XXXX {$47.00} - Texas 20.03 and 20.05, 15 U.S. Code 1681i XXXX XXXX Requested On XX/XX/XXXX - Texas 20.03 and 20.05, 15 U.S. Code 1681i XXXX XXXX-INDIRECT - Requested On XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity XXXX XXXX XXXX - Requested On XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity XXXX XXXX XXXX via XXXX - Requested On XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity XXXX XXXX - Requested On XX/XX/XXXX, XX/XX/XXXX -15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity XXXX XXXX XXXX - Requested On XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity
Product: Student loan

Good Afternoon, I would like to file a complaint because I'm a former student with this school I have complained about this school before. Im currently in default on my private student loan owing {$14000.00} come XX/XX/XXXX. I have already contacted a lawyer locally to investigate this school for predatory lending practices. I have contacted the lender to negotiate payment arrangements back in XX/XX/XXXX and told them that I {$290.00} twice a month while paying rent and a car note was not feasible to make a living so I was sued and granished XX/XX/XXXX. I have since went to court and filed a homestead deed to have my funds returned to me they have filed another court hearing for garnishment XXXX which I will have another attorney review my case before then. I'm currently {$80000.00} in debt from student loans I can not go back to school due to the XXXX cap the school took out.
Product: Money transfer, virtual currency, or money service

I purchased a service through Google 's XXXX XXXX app on my smartphone. And after completing the purchase, I wanted to remove my payment method details, in particular, my credit card name and account number ; however, Google is requiring me to add a new payment method as a condition before it removes my current payment method. 

I do not want to be compelled to add a new payment method in order to remove my current payment method information. Also, this requirement was not disclosed in the terms and conditions and I believe it is deceptive and as a consequence, my payment method information is kept hostage in the Google XXXX XXXX app. 

Also, I complained to Google via email, and the response included questions about me having a problem adding a payment method - but this, it seems, is a deliberate confusion of the issue because I never had an issue about adding a payment method - all I want to do is remove my current payment method WITHOUT having to add a new payment method. 

Also, Google has a section titled, " Remove payment method '' and then it states, " Choose a new payment method before removing ... [ it has my credit card name and the last four digits of my account number ]. '' Also, at the bottom of the screen it states to " Save and remove, '' meaning, to save the new payment method as a condition to remove the original payment method. 

I want Google to allow me to remove my payment method information WITHOUT requiring me to add new payment method information because to require this is deceptive because this procedure is not disclosed in the terms and conditions. Also, by keeping my payment information in the account it exposes my credit card information to any potential hackers who may successfully hack into my smart phone.

Thus, Google 's practice in requiring consumers to add new payment method information, as a requirement before allowing a consumer to remove their current payment method, is deceptive, unfair, and adds to the risk of being hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple accounts with XXXX, XXXX  and Equifax for over 6 months. During this time items reporting from the agencies are still inaccurate and Ive asked numerous of times for the items to be removed by dispute letters and still no action. Im writing asking for help to get these agencies to remove the incorrect info that has been sold to other agencies, incorrect data, incorrect personal, total amounts due, closed accounts to be removed from my credit report.
Product: Credit card or prepaid card

Someone spent XXXX on my Citibank master card on XX/XX/XXXX. As soon as I noticed the charges on XX/XX/XXXX I notified Citibank that was fraudulent activity. This person bought several cruises on my card. I have never heard of the cruise company and I have never ever spent XXXX in one day. I can not understand how this is not flagged as suspicious activity. As of today XX/XX/XXXX the charges are still showing on my statement and every time I call Citibank I get the run around.
Product: Credit card or prepaid card

Good afternoon, I have a complaint to draw with the closing of my account in XXXX as well as the interest that accrued on my account during COVID-19 and after my account was closed. I have made payment throughout COVID despite being unemployed, facing economic difficulties, and having zero access to my credit card due the account being restricted. Im requesting that the account is reopened and at least {$290.00} in interest charges is credited to my account as a remedy. 

The payments made to the card had little to no impact on my credit score which would have been beneficial to improving my credit score.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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
Product: Credit reporting or other personal consumer reports

FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Equifax, XXXX & XXXX URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a victim of XXXX XXXX  which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : Unauthorized Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$39000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX XXXX  ), Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Account : Closed XXXX. XXXX XXXX XXXX XXXX  ), Opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Unauthorized Fraudulent Inquiries : 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 Fraudulent Addresses to Remove : XXXX. XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611.

Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
Sincerely, XXXX XXXX
Product: Mortgage

I have a letter from Green Tree Servicing that my mortgage is entitled for forgiveness. Since I have been calling them, only to hear that they are still working on the lien release. When I called them today, this guy told me that it was n't forgiven and that it is on my best interest to start making payments on the loan, to be able to keep the house. This loan is discharged in bankruptcy and this guy was really pressuring me to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was trying to check for free credit report from XXXX. I was trying to retrieve my score and was referred to Transunion website, where I was asked to provide personal details, credit information to create an account. 
After this credit card information window opened, but no amount was shown and I didn't realize I was making a {$20.00} order. I thought it was part of the registration process. 

Minutes later I realized they charged me {$20.00} and customer service at TransUnion was useless and didn't help saying they don'y do refunds even though membership I was tricked to purchase membership I didn't want and ask for 30 minutes ago. 
This is a fraudulent practice by TransUnion who are not being completely honest and explicit for the services they charge.
Product: Debt collection

I just check my credit report and found the surprise that have XXXX accounts in collection and none of them belongs to myself! ; XXXX of them it comes from the same collector : UNITED CONSUMERS and the other XXXX is from XXXX .. base on what I read on my XXXX report ( # XXXX ) they have received accounts under the name XXXX XXXX and my name is XXXX XXXX XXXX XXXX I really appreciate any help that you guys can provided me due its unbelievable that my credit is so low and damaged due a huge mistake from the creditors. Thanks in advance!
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORTS NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX. 
- XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX. 
- XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX. 
- XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX. 
- XXXX # XXXX DATE OPENED XX/XX/XXXX.
Product: Debt collection

In approximately XXXX or XXXX of XXXX I was referred to XXXXXXXX XXXX  and XXXX who informed me that they accepted my health insurance, were in network and that THEY called my health insurance and RECIEVED PRE AUTHORIZATION from my health insurance for medical treatment and that my co-pay was {$150.00}. 

Under these false pretenses, I paid XXXX XXXXXXXX XXXX XXXXXXXX the {$150.00} co-pay and proceeded with treatment on XX/XX/2022. 

I was later surprised with a large bill in the amount of {$860.00}. 

I contacted XXXXXXXX XXXX XXXX XXXX XXXXmmediately who then informed me they were " OUT OF NETWORK '' refused to correct their mistake or adjust the bill in anyway. 

I am protected from this surprise bill under the No Suprises Act effective as of XX/XX/2022. 

XXXX XXXXXXXX XXXX  XXXX has sent me to Collections and is destroying my credit. I informed the collection agency, XXXX XXXX XXXX who was formerly notified that the bills they've reported is protected under the " No Suprises Act '' XXXX XXXX XXXX refused to take the bill off my credit report and further validated the debt with the credit bureas so that I can not dispute it myself with the bureas like XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this collection with XXXX  XXXX do not have a contract with them plus they did not provide me with the original application like I asked.
Product: Mortgage

I received and e-mail stating that a paralegal was now representing my closing firm on a new real estate purchase. This person who identified themselves as XXXX XXXX did then request our realtor and sellers information. In addition to these requests they also stated that we owed them money for processing and they did contact my realtor XXXX XXXX to collect our personal information including income and social security numbers. This went so far that they contacted the company that we are purchasing property from stating that they are the closing company and needed cash and personal and private information from them.
Product: Mortgage

We put our house up for a short sale back in XXXX the company SPS requested our financial information. They got another appraisal this was the XXXX. SPS said they wanted {$300000.00}. 
on XXXX XXXX 2016 there as an offer for the total {$300000.00}. Since then SPS has requested our bank statements for every month and got a new appraisal every other month. the last year SPS has gotten at least 7 appraisals. The last Appraisal was for {$260000.00}. The people that put in the full price now after being put off for almost 5 months are giving up SPS has done nothing to get this sold .They say they are still looking it over and it will be at least another month.
Product: Student loan

I enrolled on the income based repayment plan through navient. I was having financial trouble and they directed me toward a forbearance which was collected interest that I was not made aware of. My payments were also misallocated across multiple loans. I am also a wartime veteran and the reporting of my loans to credit companies negatively affected me buying a new home with my XXXX. A right that I earned serving this country and is granted to me under federal law.
Product: Debt collection

On XX/XX/23 I received a copy of my consumer report from XXXX indicating that I had a new collection appear on my report. Transworld Systems Inc XXXX this account dropped my credit score and I was confused to how such a thing could happen when in fact I have never owed any debt with this collection agency. I requested an immediate investigation in which I requested verification and validation of compliant reporting in the form of a notarized statement by someone with original knowledge of the debt, attesting that it was legally incurred, not used as a profit-loss tax deduction during the payable period, and not claimed as a loss with any insuring entity during the payable period. I request proof of any and all claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out on multiple occasions and told them to correct the things on my report that's inaccurate dates on credit report XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Midland Funding hired the XXXX XXXX XXXX XXXX XXXX to collect on a debt owed to XXXX. They had my bank accounts garnished for {$2500.00} in XXXX based on a ruling from XXXX XXXX XXXX of which I was not notified. I did not receive a court summons before the garnishment so I was not given the opportunity to clear this up before it went to court. The court clerks claim that I was " served '' on XXXX XXXX at an address that I had moved away from in XXXX. After they took the money, the court clerks advised that the Collections company could release the funds if I agreed to a payment plan. I called the collections company multiple times requesting for that release and payment plan but they kept telling me that they could n't release the funds at all. I was garnished without notification and unfairly. The only documentation I received came from my bank after the assets were garnished from my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out 3 letters to the credit bureaus regarding the accounts that are reporting on my credit reports. The last letter I sent was XX/XX/2020 and there hasn't been any results or anything updated on my credit reports that a dispute was even initiated. 

I am under the impression that all disputes have to be completed within 30 days. Well I still havent seen any changes. 

At this point the credit bureaus have been ignoring all of my disputes and this is stressing me out. I am considering filing litigation. This is causing me to lose hair and everything. Being a victim of the XXXX  data breach I don't know who has my personal information. 

XXXX is the only bureau that has been responding and has deleted the items that were disputes. So I don't even understand how Experian and XXXX are reporting these items.