23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I was a XXXX mother who wanted to take care of my son without using the system. I decided to go back to school and decided to become a XXXX. I chose a school at the time called XXXX in XXXX Washington. 
I did n't realize that XXXX would cost me a arm and a leg and would also put me in a financial hardship that would cause me not to be able to get a home loan in the future. What took place is no one told me that XXXX cost well over the actual cost of other programs at local XXXX colleges for XXXX. XXXX cost was {$13000.00} per student and other colleges which also offered XXXX degrees cost {$8000.00}. 
I attended XXXX and took out loans because the financial rep said that all I qualified for at the time I never attended college and believed her. I started to have hardship because I needed to work and the program only offered a early morning session and a late evening session so I had to ask for a leave. NO ONE told me that taking this leave I would still be responsible for the whole loan! 
When I decided to go back and finish the program the school location changed and so did the name it was now called XXXX! Well XXXX had me go through everything all over again and since I had attended the school in the past I was supposed to get a huge deal NEVER happened another {$13000.00} plus but I finished and found a job without their help! 
I thought I would be done with these type of schools and lenders lending to these types of schools that lie just to fund THEIR employees and pocket money. I decided after being a medical assistant I wanted to get a CAREER I looked into schools for the working person and found XXXX. I researched and researched being that XXXX XXXX XXXX was a student and Alumni I was like okay this may be a great school. 
Another school that told me you qualify for nothing but LOANS, now I owe {$60.00} in student loans I have my XXXX I only make $ XXXX I am barely making ends meet, I do have my XXXX, however its in XXXX XXXX and NO ONE has yet to hire me with it. I cant seem to offered to pay my student loans, I cant get qualified to buy a house the lenders ONLY see the student loan debt. When I called Navient and asked why was I only qualified for loans when I am very low income they said because of the school I chose to attend. IF this is the case being that all lenders get borrowers information why not red flag and say NO this student should continue to look into higher education that would be more beneficial to them financially. 
I have a degree I cant do anything with and I cant afford to pay anything back I am stuck in one space praying for hope!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Contact was made to PayPal Credit regarding charges to our PayPal from XXXX that was not authorized. We made contact in XXXX who stated they were placing a freeze on the account while it was being investigated. We tried to access our account to see if the matter was resolved and saw a credit of roughly around {$120.00}. We called to find out what this was for and was told they investigated it and gave us credit for what we had paid on the disputed charges. We asked several times if that balance was ours to use. We were told several times yes. The balance was used and we continued on using our account, paying the balance in full until we saw 3 charges of {$75.00} with a description of XXXX. After being on hold for 45 minutes, speaking to a young lady who told us we were double credited. We advised we were told that was our money to use. When asked for the date and notes from that conversation, we were placed on hold and transferred to the Fraud department. We spoke with XXXX who did not give a last name because they do not give out last names and stated she was an account manager. She explained it was credited to us twice. I asked for her to look at the conversation we had in XXXX and she claimed she did not see it. She stated we may have spoken to another department however the notes from other departments are not in the same system or can be seen by her. She claimed she was the highest person in charge and no one else she could transfer me too. PayPal claims they over credited us after telling us that was our money to use and now almost 2 months later they are charging us back. I think it is not fair to charge us for a mistake made by PayPal and XXXX was not helpful at all. We want a clear breakdown and explanation of the charges. We can not see everything properly because of the freeze placed on the account and it being transferred to a new account. At least that is what was explained to us in XXXX. I wish for PayPal to own their mistake and not charge us 2 months later after they advise us of the credit and the matter resolved.
Product: Checking or savings account

I banked with simple.com which was purchased by PNC Bank. I tried to close the account but was not able to close it to due to long wait times. The account transferred from Simple to PNB Bank with an account balance of {$0.00} On XXXX XX/XX/2021, I received a collection notice for {$32.00} for monthly fees that Simple didn't charge. I tried calling the number on the letter which said the system did recognize the number and disconnected the call.
Product: Bank account or service

My son has had theft of ID/stolen identity with this bank accounts/Debit Card at Wells Fargo. We believe my son is a victim of organized, sophisticated, organized network of criminals who are responsible for stealing money from his bank account using duplicate or cloned Debit cards with my sons # to make transactions. It is believe that the criminals conducted these charges at locations where individuals could assist them with their theft. 
We have been attempting to resolve with Wells Fargo since before XXXX. There has been no resolution as Wells keeps denying claim that anything fraudulent was done in spite of evidence to contrary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 3 bureaus stating that my address is XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX. I am concerned that personal information is being sent to address 's I do NOT live at. This neglect is troubling.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX, XXXX XXXX, CoreLogic Credco LLC, and XXXX XXXX XXXX for placing unauthorized hard inquiries on my credit report. These inquiries appeared on my XXXX, XXXX, & XXXX credit reports on XX/XX/year>, XX/XX/year>, & XX/XX/year> & has negatively impacted my credit score. 

The XXXX XXXX XXXX inquiry appeared on XX/XX/year>. The XXXX XXXX inquiry appeared on XX/XX/year>. The CoreLogic Credco LLC inquiry appeared on XX/XX/year>, & I have never been affiliated with this company. The XXXX XXXX XXXX appeared on XX/XX/year> & I have never been affiliated with this company. 

I did not authorize these inquiries with XXXX XXXX XXXX, XXXX XXXX, or CoreLogic Credoco LLC that would justify such an action. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a credit report may only be accessed for permissible purposes. As far as I am aware, Discover Financial Service, XXXX XXXX, Corelogic Credco LLC, or XXXX XXXX XXXX did not have any legal basis to access my credit report, and therefore, this inquiry was made without a permissible purpose.
Product: Debt collection

Upon receiving a phone call and voicemail, I called company back ( credit management company XXXX ) they stated they called to collect a medical debt. I requested the debt to be sent in writing so I can verify it as I have moved recently and dont have any access to my paperwork. They directly refused and said they have no legal obligation to send anything in writing verifying the debt. I told them I have a right to receive something in writing before I pay out of pocket and they refused multiple times and then simply hung up on me and I was on hold to talk to another agent after that for over an hour and never got thru to anyone else. I will pay debt if i owe it but I want to verify it in writing before doing so as I think anyone would want to as I do not recall any recent medical debts I owe other than the ones on my credit report which this is not so I can not verify. I feel they are using horrible bully tactics and I needed to make someone aware to help. Thank you
Product: Money transfer, virtual currency, or money service

I received an email notification that my PayPal account is allowed to withdraw funds, but I am unable to complete the process of link new bank for withdrawals, and I have contacted the customer service representative by phone several times, but the problem has not been resolved, please help me, thank you! 
Attachment contains a notice of permitted withdrawals from PayPal.
Product: Checking or savings account

American Express has failed to adhere to its XXXX bonus XXXX direct deposit promotion. I have fulfilled all requirements and still no bonus posted to my account. Other bank users have had bonus to their account within 6-10 days. American Express checking needs to fix this. Customer service is useless and clueless. I have had direct deposit posted on XX/XX/XXXX
Product: Vehicle loan or lease

I pay my payments early because interest is compiled daily, so I make my payments early the company payments are do every two weeks {$240.00} if I send a {$500.00} payment they apply {$470.00} to interest and the remaining balance to principal if the payment is early why double the amount of the payment due why would 90 % of the payment go to interest.
Product: Debt collection

They have been sent numerus letters asking for a signed contract that they will not send to verify this alleged debt. They are hurting my credit and my good name
Product: Debt collection

Following a thorough analysis of my recent credit report, I noticed numerous accounts that I believe are inaccurate and were added without my awareness.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX aka XXXX, on my credit report for XXXX, they keep updating it as repossessed every month making it look like I have a new repossession. On my Transunion credit report, they indicate that I had a high balance of XXXX in XXXX  which is in accurate.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is a follow-up to CFPB claim XXXX. 

I was a victim of fraud on XX/XX/XXXX, scammed out of my entire savings account. Today, XX/XX/XXXX, at XXXX XXXX, I received a call similar to the reference scam noted above. First, I received a text message at XXXX XXXX. that read ( Wells Fargo Security : Did you attempt a transaction @ XXXX # XXXX for the amount of {$380.00}? Reply Y for YES ; if you don't recognize this charge reply N for NO & OPT out this message reply STOP. ) I replied NO and received another message ( Freemsg : Thank you for corresponding! This transaction will be blocked, and a call will be generated shortly. ) Then I received a call from XXXX XXXX XXXX XXXX ; the gentleman introduced himself as XXXX from the Wells Fargo Bank Fraud Department. He stated there has been fraud on your account. I immediately informed him that I had been scammed before and that I would call the bank. I hung up and called the bank ; the WF representative verified that I had no fraud notices and stated she would create a case for investigation. I received another call at XXXX XXXX. from the same gentleman, XXXX, repeating the same thing. I told him I was calling WF, and he hung up the phone. I believe this is the scam from XX/XX/XXXX.
Product: Credit card or prepaid card

Case was originally opened under CFPB Case : XXXX and Capital One Case : XXXX. I received an letter which was also uploaded into this cfpb system stating that my accounts were eligible for SCRA benefits and we enrolled. I called to pay off the remainder of the debts to be determined following a recalculation of the new amount due only to find that Capital One only applied SCRA benefits on the account ending in XXXX. The account ending in XXXX was not recalculated and the file was documented as " no adjustments to be made to account. '' I am a Ohio resident and SCRA applies to all debt prior and during military service. The interest rate for this account should have been capped at 6 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # : XXXX XX/XX/2020 showing late 30 days XX/XX/2020 showing late 60 days There is a lot of incorrectly reported information on all 3 credit bureaus and believe that these 2 missed payments are also reporting incorrectly.
Product: Debt collection

DNF Associates, LLC, is debt collector, who filed a lawsuit against me on XX/XX/2023, I first found out about this lawsuit and Default Judgement on XX/XX/2023 after searching court records. DNF Associates, LLC has never communicated with me about this debt. I never received from DNF Associates LLC, who is a debt collector a validation notice, that is required by law, that would state the amount of the debt, that I could dispute the debt and who the original creditor was of this debt pursuant to 1692g of the FDCPA. I was never served with a complaint and summons, and have no idea what this matter is about. DNF Associates LLC obviously used false service, as this matter is not in the same district that I live.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove collection account opened on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX on the amount of {$1400.00}. This account has been fully paid off. Attached is the letter from XXXX XXXX XXXX. Please update credit reports immediately. 

Thanks, XXXX XXXX
Product: Mortgage

I bought my a car with XXXX, but was looking at my credit report and found that they sold my loan to XXXX what is puzzling is that I just received a bill from a XXXX company CSC LOGIC INC for that car payment. So none of these XXXX companies found necessary to contact me. Is this normal? what if I had n't checked my credit report?
Product: Credit reporting or other personal consumer reports

I submitted to experian that i was victim of identitiy theft and also the pokice report but they did not resolve it
Product: Debt collection

Professional Claims Bureau, LLC ( pcb ) keeps sending collection letters demanding I pay them a debt I do not owe. I have sent them written dispute letters asking them to cease all communications with me, since I do not owe this debt and and completely disputed the validity of the debt in its entirety. I sent my written correspondence via XXXX and XXXX XXXX XXXX several times, but they ignore my correspondence and just keep demanding payment. See attached correspondence ( XXXX, XXXX demand letters and XXXX dispute letters ). It is now harassment via the mail, and I want them to cease all communications with me, except for any legal process that I am fully ready to defend.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I attempted to freeze my credit report with Experian by phone on XX/XX/year>, and XX/XX/year>. Despite providing my ITIN and verifying my identity, I was informed that Experians system does not accept ITINs for freezing credit reports. I believe I am entitled to freeze my credit report using my ITIN, and Experians refusal to process my request is preventing me from securing my credit as allowed by law.

I have sent a formal letter to Experian, including my identification, the letter from the IRS with my ITIN, and a recent bank statement to verify my identity. I request assistance to ensure that Experian processes my request correctly and allows me to freeze my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my Equifax credit report is fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00}, XXXX XXXX  XXXX, XX/XX/XXXX, {$7500.00}, The XXXX  XXXX XXXX, XX/XX/XXXX, {$360.00}. The following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX  and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting or other personal consumer reports

this is a closed account and is reporting wrong on the account. 

please verify this account, then tell me how the verification process works and what it entails. 
- tell me where is the original doc with wet signature -verify the amounts owed -what is the first date of delinquency or default any info that does not add up or is the same as my credit report is considered inaccurate. 

because of the willful negligence of these companies, I was XXXX XXXX  and XXXX XXXX and was denied credit for further taking care of my household. 

Please provide the debt connection and validation and proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX Balance : {$0.00}