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

These inquiries are not mine I have never opened these applied for these and dont have a clue how these got on my credit report. I started disputing these since XX/XX/XXXX and every month after until XX/XX/XXXX I have sent out multiple letters saying that these are not mine to the furnishers as well as to all the bureaus but they have not reached or or helped me out. This is clearly affecting my credit score and my credit and I need these inquiries gone since they are not mine. I even opened an FTC report on XX/XX/XXXX and still nothing. 

Creditor Name XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Debt collection

I wrote a letter to the company of IC Systems and ashed them to send me something validating this account. Something that proves I am indeed the person responsible for paying this debt. I received a letter back stating that they can not verify that information, so I would like this account removed from all 3 credit bureaus.
Product: Debt collection

HYAT, HAYT, & LANDAU, P.L., a third-party debt collector violated my right to privacy by illegally obtaining my location information, sending me a debt collection notice alleging that I owe a debt whereas a debt collector can not make such, and identifying themselves as a debt collector but falsely misrepresenting the communication as being from an attorney. I did not provide them my location information and they did not have consent to contact me in reference to the collection of an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX ignore my letters disputing a hard Inquary from XXXX XXXX XXXX. I write them 2 letters each in the pass 6 months they never respond and XXXX XXXXXXXX hangs up on me when I call there company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX who bought debt from XXXX XXXX XXXX XXXX. I have asked that all three credit companies investigate. XXXX, XXXX, and Equifax. The debt has been paid. The account shows a zero balance. I called the creditor and they said they were not reporting it, it was up to the Credit Bureaus to take it off. They all have not taken it off. I dispute it and it comes back that it has been paid. I need for this to be taken off of my credit as a collection as it is no longer a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; US DEPT ED XXXX XXXX : {$3800.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX 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

Please take a look at the attached letters and ID docs for verification that it is XXXX  XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Debt collection

ON XX/XX/XXXX EOS CCA collection is trying to collect a debt that I don't owe for {$420.00} They have placed this debt on my credit report that is affecting my credit rating as I am trying to get things that I need. I have sent a validation letter disputing this account on XX/XX/XXXX. They could not validate my account, instead they sent a letter stating that this is verification of an outstanding debt. On the letter they sent it only has the acct Number, the orig creditor acct, and the balance they are claiming I owe. This is not Validation of Debt. I am requesting they remove this debt immediately and report correcting to all three credit bureas asap. On my XXXX   Credit report it says under remarks that acct was disputed by consumer, meets FCRA requirements.
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX-affiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Collection Agency, I am writing to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without " Proper Validation and Proof Of Claim ''. As per the Fair Debt Collection Practices Act ( FDCPA ), 1 am formally requesting comprehensive validation of the alleged debt. legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. LEXIS XXXX. Provide a detailed verification by line item, including information on the purchase date, Itemized amounts, receipt or goods, and any relevant detalls directly trom the Original Creditor. Date of Last Activity. 3. Full, accurate social security number that may help to identify me as the correct person you are tryine to collect from. 4. Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. the obligation between your company and me that autorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 5. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identitication card ) presented at the time of incurring the debt 6. Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX v. XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX, XXXX ) - information relating to the purchase or a bad debt is not proprietary or burdensome. 7. Any other pertinent information regarding the creation of the debt by your collection agency like a. Where the debt originated from. 2. The sum paid by the bad debt buver for thei plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection debt. Also provide a 1099.
Product: Credit reporting or other personal consumer reports

my identity was exposed from Equifax breach. I did not authorize those inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED XXXX, XXXX AND TRANSUNION TO REMOVE FRAUD ALERT FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Debt collection

Call to my mother sent to me. Wanted name and social security number and threatened possible summons but need not specify reasoning. Left a case number and telephone number XXXX.
Product: Credit reporting or other personal consumer reports

Experian Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX  CERTIFIED MAIL SENT!! 

RE : Letter to remove inaccurate credit information to whom it may concern : I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX ) Dept of Ed Acct # XXXX ( Reporting Inaccurate Information Reporting Various Balances ) XXXX ) Dept of Ed Account # XXXX ( Reporting Inaccurate Activity Information ) XXXX ) Dept of Ed Account # XXXX ( Reporting Inaccurate Activity Information ) XXXX ) Dept of Ed Acct # XXXX ( Reporting Inaccurate Balances Information ) XXXX ) Dept of Ed Acct # XXXX ( Reporting Inaccurate Balance Information ) XXXX ) Fin PCU XXXX XXXX Acct # XXXX ( Reporting Inaccurate Date Information ) XXXX ) XXXX XXXX XXXX Account # XXXX ( Reporting Inaccurate Date Information ) XXXX ) XXXX XXXX Acct # XXXX ( Reporting Inaccurate Dates of Last Activity Information ) XXXX ) XXXX XXXX XXXX Account XXXX XXXX XXXX Reporting Inaccurate Dates of Last Activity Information ) XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX ( Reporting Inaccurate Dates of Last Activity Information ) XXXX ) XXXX XXXX XXXX XXXX XXXX  Acct # XXXX ( Reporting Inaccurate Dates of Last Activity Information ) XXXX ) XXXX XXXX Bankruptcy Ref # XXXX ( Reporting Inaccurate Dates of Last Activity Information ) I am unaware of the above listed accounts. Please VALIDATE this information wot the creditors and Provide me with any documentations associated with these accounts, ( i.e. 
An ORIGINAL CONTRACT BEARING MY SIGNATURE }. I formally request that this information be deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( XXXX ), and I am keeping CAREFUL record of your actions. Failure satisfactorily within XXXX if RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking XXXX in damages for 1.Defamation XXXXNegligent Enablement of Identity Fraud XXXXViolation of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with our company via the XXXX XXXX along with an online public press release, including documentation of any potential small claims action. 
Send Updated Credit Report *Please remove all non-account holding inquiries over 30 days old
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I made my last payment to plain green because they were charging many fees and I found out they aren't legal to do business in my state. At that point I had paid them the amount that I borrowed. My next payment would have been due on XX/XX/2018. On XXXX XX/XX/2018 exactly 91 days after my last payment was due plain green reported the account closed and charged off to my credit report.
Product: Credit card

Approximately XXXX three months ago I was informed that my credit limit had been reduced due to inactivity. I DID NOT receive any notification prior to, that such action would be taken on my account. When I inquired about this change I was notified that I had not used my card in over a year. 

I am an XXXX military member in the United States XXXX and there are times that we are XXXX, transfer and/or have obligations that do not afford us the opportunity to use retail cards as normal. That was the case for me in which I was XXXX in XXXX 2015 for seven months, returned and immediately transferred. It was during that time that the year passed. 

As I inquired as to how to restore my credit to the previous limit I was told that I would have to request a credit limit increase. Please let me inform you that the reduction of my credit limit affected my credit score and to have to go back again and request a credit limit increase for what I consider no fault of my own would again affect my credit score. 

Approximately one month ago I did attempt to use my card online to purchase some storage boxes, the card was denied. I attempted a few days later in the store, feeling that the card was just not working online again the card was declined. The manager of the store was kind enough to still allow me the benefit of the 5 % after he could see that I had a legitimate card. 

And now I received notification that my account will be closed, " It 's our policy to close accounts that haven been used in 18 months. '' I believe that I have done all that I should as a consumer to have a positive account with your company but there is little to no support for personal situations that apparently do not fall within your companies approved standards. 

I am trying very hard to improve my credit score so take any action against my credit seriously. 

I feel that more communication from your company to consumers would allow you to better gauge the situation of your consumers instead of making decisions in a vacuum. I would like my credit limit restored, I do not care to have it increased just back to what it previously was ( {$300.00} ) and a new card issued. Now that I am settled from my transfer and will be stable for the next few years the use of the Target card will easily be accomplished.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. I have notice that the credit reporting agencies are reporting INACCURATE late payments on my Student Loans. This information is 100 percent INACCURATE/ INCOMPLETE and needs to be updated immediately. It is also a violation of FAIR CREDIT REPORTING ACT 15 USC section 1681 ( 2 ) ( a ) ( i ) as well as F.E.R.P.A. I would greatly appreciate if this account is updated immediately. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my TransUnion credit report and noticed several unauthorized inquiries. I immediately called them to have them removed and placed a lock on my file. They failed to assist in removing these unverified inquiries from my report although I expressly told them I did not authorize these inquiries.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress+ for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern these accounts and inquiries reported on my credit report are not mine the the company is refusing to remove it
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Formal Demand for Immediate Removal of Late Payment Entries Account No. XXXX Dear XXXX, I am writing to demand the immediate removal of the late payment entries associated with my auto loan account at XXXX XXXX XXXX XXXX XXXX ), account number XXXX, from my credit report. While I acknowledge that I made some late payments, I believe it is illegal and unfair for you to continue reporting these negative entries, and I am formally requesting that you remove them within 24 hours of receipt of this letter.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure that the information they report is accurate and fair. Reporting late payments, especially after a consumer has made efforts to bring their account into good standing, is neither fair nor reflective of my overall creditworthiness. The FCRA mandates that credit bureaus must remove or correct inaccurate, incomplete, or unverifiable information from credit reports. These late payment entries, given my repayment efforts and the context of the situation, should not be reported, as doing so constitutes continued damage to my credit profile.

Additionally, under 15 U.S.C. 1681c, certain outdated or irrelevant information, including negative payment history, may no longer be reportable after a certain time. In this case, continued reporting of these late payments is disproportionate and harmful to my financial recovery. The law supports a balanced and fair reporting system, and reporting my late payments with no context or regard for my improved standing is a violation of that principle.

I expect the removal of these late payment entries within 24 hours of receipt of this letter. Failure to comply with this request may result in legal action, including claims for damages and enforcement of my rights under the FCRA.

Please send me written confirmation once the late payment entries have been removed from my credit file. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

My loan payment was due and paid XX/XX/XXXX at XXXX Pacific Standard time. I recieved a payment confirmation through email and I printed out my recipt. I thought that paying a day ahead of time, I should be ok, right? Wrong. My account is now passdue because the paynent is supposedly pending. It is XXXX XXXX Pacific Standard time and it is still pending. I do n't have any banking issues so this sould n't be a problem.