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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

I have been making smaller payments online but they are now calling my ex boyfriend and other people sharing my account information.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 
I have not given you written permission to put anything on my credit profile. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
The account in question is : XXXX XXXX XXXX XXXX XXXX  : Account number : XXXX opened XX/XX/2017 which has also reached the limitation in which said account can be reported.
Product: Debt collection

I have requested debt validation from this company and havent received any response 30 days has passed and the debt hasnt been removed and is still reporting negatively to my credit I have yet to be given documentation that proves this company is allowed to collect on this debt the original debt amount and creditor and proof the debt belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account ( XXXX ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dept of ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US dept of educatio XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The consumer reporting agency also violated my federal rights by running a credit check on me multiple times from each of the consumers listed
Product: Student loan

Let me start by saying I have been making my payments on time ever since I began paying my loans. I have never asked for repayment assistance and I know that my debt is my own to pay. 

After a phone call XX/XX/XXXX to confirm when my payment would be increasing, a representative name XXXX offered me an extended standard repayment plan. When I got the confirmation of my new payments in the mail, I realized that my new payments would be about {$300.00}. This was a far higher payment than what I 'd been told over the phone. I called EdFinancial to figure out the problem. Turns out, because my debt was {$22000.00} not {$30000.00}, I no longer qualified for extended repayment. This is where the trouble began. I was told by XXXX, a manager, that this was a " silly mistake ''. He went on to say that this " silly mistake '' could n't be fixed. EdFinancial could n't put me back on my old payment plan ... that I no longer qualified. He said that if I did n't want a {$300.00} payment that I would have to go on extended graduated repayment. I was n't happy because I knew that I 'd be paying interest only for 2 years, but at the time I could n't afford a {$300.00} payment. I received my new documents in the mail and went on with my life. 

Today I received a new statement in the mail ( sometimes they come via email and other times they show up in the mail ). I realized that for yet another month, EdFinancial will be withdrawing the same amount that I 've been paying for almost three years. So, I went back to look at my documentation and the information I could find on my EdFinancial account. 

According to the documents I was sent on XX/XX/XXXX, my payment should have increased on XX/XX/XXXX. It has n't, but my loan balance has. I am paying {$0.00} more than I was paying XX/XX/XXXX. At this rate, I will never pay my loan off. All this, because XXXX offered me a plan that I was not eligible for. I have contacted EdFinancial about the situation and I 'm currently waiting for their response. 

I am being penalized because of a " silly mistake '' made on their part XX/XX/XXXX that has been magnified by the errors being made since XX/XX/XXXX. What recourse do I have? How will they be held accountable for the mistakes made with my loan? How can this be made right in a way that I am not paying thousands of dollars more on a loan error that was not my fault?
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint to address an issue of late payment entries on my credit report. Upon reviewing my records, I discovered the presence of these late payment listings. However, despite sending correspondence over 30 days ago regarding this matter, I have not received a response, and they have failed to provide satisfactory validation for these supposed late payments. I kindly request your assistance in promptly and effectively resolving this issue.
Product: Mortgage

Please see complaint filed # XXXX which I filed yesterday! Today I received a payment history which shows my original principal balance was {$340000.00}. This is a mistake on behalf of The Money Source, our original principal balance was {$330000.00}. 
They have change our payoff amount to reflect the above.
Product: Credit reporting or other personal consumer reports

Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.
Product: Debt collection

Now Eastern is saying the amount is a typo amount of {$230.00} I was told this on a recorded line on XX/XX/XXXX from Easterns rep, also send me the original signed document from XXXX of the balance that needed to be paid by the insurance company at the time of service, in which the wrong code was provided by XXXX. Can Eastern provide the recorded phone conversation from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Cfpb & Credit Bureaus ; XXXX XXXX! I have actually been trying to reach out to the CRA 's for the last 6-8 months to attempt to remove/delete unknown, not-required previous or old addresses from my credit report, but for some reason, I'm unable to get any results or responses from them ;, XXXX, XXXX, and Experian. I've mentioned and listed the addresses that I need to be removed from my credit report. Honestly, the only address that should be listed in my current address. Anything else needs to be removed ; for example, i need the following removed : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, CT XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed an inquiry on there being reported by XXXX XXXX in which I have disputed them and put a fraud alert on my account as well with the credit bureau & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX on my XXXX credit report. Regarding the following inquiries < XXXX from XX/XX/XXXX, 2016 > I have disputed the unauthorized inquiry for several months with no help from the company or XXXX. XXXX never responded to my certified letters. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters from this Company. This is UNAUTHORIZED and very FRAUDULANT. I am demanding this unauthorized inquiry be deleted from my credit file immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with Equifax through arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

My vehicle was repossessed on XXXX. I have contacted the loan company 4 or more times via phone and email. I have attached a letter that I emailed the company because I was unable to resolve my issue via telephone. XXXX in the branch, the call center reps, XXXX in Executive Complaints and XXXX never acknowledged the validity of my hardship and were unable to resolve my issue. 


One Main Financial XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Dear Customer Service Manager, I am reaching out to you because I have a vehicle secured loan with One Main. My vehicle was repossessed XXXX. I am viewed as being in default on my loan because I am 30 days past due. I made 2 payments in XXXX in a good faith effort to maintain my account with your company. Unfortunately, I was hit with over XXXX of bills that needed immediate payment outside of my normal monthly obligations. 
1. XXXX Squirrels had to be expelled from my roof. 
2. XXXX new gutter system. XXXX paid to date. 
3. XXXX repayment for college class to employer. XXXX paid to date. 
4. XXXX property tax bill. XXXX paid to date. 
5. XXXX property tax bill. XXXX payment must be paid this month. 
6. XXXX property tax bill. XXXX needs to be paid this month. 
I advised a member of the XXXX branch of this and he was no help. I advised the repossession dept. representative on XXXX. She was no help as she only demanded XXXX. She explained the ; repossession fees and cost, auction, and short fall obligations that I am now facing. 
I received a demand letter for XXXX due by XXXX to regain ownership of my vehicle. As you can see from the list above I have XXXX of property tax bills which must be paid this month. So, I am unable to pay the XXXX this month. I have attached receipts to this letter to substantiate the legitimacy of my financial hardship. 
I am requesting that a forbearance be granted on my loan and that a payment arrangement can be made. I have made every attempt to maintain my account, but I am being faced with other obligations that demand immediate financial resolution. 
I do not have access to a printer. Please provide me with a fax # that I can fax proof of my hardship. 
I am hoping that we will be able to come to a win win agreement where I can maintain my vehicle and continue to make monthly payments. I am quite sure you are familiar with the auction or private sale process where a vehicle is sold for less than the fair market value. By selling the car you will be agreeing to a payment which is less than the amount owed. After the proceeds of the sale are applied to my loan I will be contacted regarding a short fall balance which I do not have. If I were able to maintain my vehicle that would insure that the One Main loan is satisfied over the course of 5 years. I do not desire to be sued and am hoping that we can work something out. 

Thank you, They declined a forbearance and a deferral on my payments and are requesting 2x the account due on my loan. I have attached a payment history. I was unable to attach bills to validate my hardship because they reflect my name and address. However, the bills were sent to One Main
Product: Credit reporting or other personal consumer reports

Sent letter and disputed the inaccurate information being reported to credit agency below is letter sent to the furnisher asking them to correct the wromg address or remove the information I am writing you again in regard to an account that you are reporting to the credit bureaus. I have disputed the accuracy of the information you are reporting to both you and the bureau. 

The account is being reported inaccurate information. As the furnisher of this account you are required and can not report inaccurate information to credit agencies. It is my right to make sure you are reporting accurate information. As you know the FCRA 15 u.sc 1681 governs access to consumer credit report records and promotes accuracy, fairness and the privacy of personal information assembled by credit reporting agencies. 

Your information that you furnish to the CRAs must include accurate information as it pertains to the account Correct spelling of name, address, account status history. 


Many times, you update the account when I send a dispute, but you NEVER update the inaccurate information being reported, every dispute mentions the address listed to not be my address. The address listed will need to be updated to reflect my accurate information or you need to remove this. 

I have reached out several times and this has not happened. 

Please correct the information or remove this Best Regards XXXX XXXX
Product: Checking or savings account

XXXX deposited XXXX checks from a settlement {$4100.00} & {$2700.00} Next day they put my account on hold. Saying i will be receiving a letting the mail for the funds. When i deposit the funds it told me it will be available next day but i woke up to a locked account. Debt card off & online access cut off. 
When i got the letter it told me my funds will be available on XX/XX/XXXX. On XX/XX/XXXX i called it they sent my account to review ( it's no way to to contact the back office they only email them ). They said i should be getting another letter in the mail. I got the XXXX letter and it told me my money won't be released until XX/XX/XXXX. Due to they think it's a fraudulent check. I went to the branch to provide the settlement documents & proof of the checks. They said it's nothing they can do because back office locked the access to the account. I spoke to XXXX person they told me best option was to speak to my lawyer to have them stop payment the checks and reissue a new one. When i contacted my lawyer to contact the people I sued the other party stated the funds have been already cleared out their account it's my bank that's not wanting to clear the money. When i called back the XXXX told me they think the money is going to bounce back that's why they didn't release your money although it cleared. It's been a month. I even try to set up a conference call with my lawyer their lawyer and the other party so they can clear my checks they said they will not speak to nobody that i have to wait until they feel like reaching out again. The checks have now been cleared from XX/XX/XXXX with the proof attached from the other party showing the checks cleared on their end.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/1977. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report number XXXX. 
I have previously disputed and had this same collections from XXXX XXXX removed three times. This is the fourth time it has returned. I disputed it again and was not successful in having it removed, submitted a follow-up dispute on their failure to remove it, and the collection remains on my report. I believe it stems from identity theft around the first time I discovered the collections. I had to also remove an address from a state I've never been to. 
I want this collections removed from my report, and I'd like to never be inconvenienced by it again. 
My previous successful reports are XXXX, XXXX, XXXX, and the removed address XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one needs to provide me under 15 USC 1602g who authorized the use and permissible purposes as the original creditor to use my information to report this negative account under my name? Otherwise the account reporting needs to be block and deleted from all credit reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections on my credit report from CBA Collection bereau of America in the amount of {$290.00} reported XX/XX/2019. I wasn't me, my social security number was used by someone else. I have tried to contact them without any response.
Product: Student loan

2010 My Daughter was accepted to XXXX College. Not until we were at Parent/ student orientation day did they take me into a room and tell me they couldn't get enough money. I had another child in college and very little income. It was too late to go to any other school now. 

They made me sign a 7.9 % Parent loan and told me they would create a XXXX major for her bc she wanted XXXX college. I didn't know what I was doing or signing. I was confused then they cut me out of all of it. 

I cancelled her 2nd semester of living quarters based on School hand book dates and process. They threatened me and berated me how late it was and that so many girls were on the waiting list and now its too late to call them. I notified them within the time period before semester begins. My daughter was sick constantly there were intense heat and ventilation problems and she was in and out of XXXX appts. 

I complained and my Daughter chose to go to XXXX bc she stayed at school only once a week and was wasting time because they NEVER planned on giving her a XXXX  major. They made her take courses that she already took in AP and was accepted as credits. 

I put in a formal complaint to school and met with people and they lied to me. I had dates, doctors appointments, school hand book I even wrote the Nun who is President and told her how they could do this to low income families. The worst part is in return NONE of my daughter credits after paying XXXX were good for a XXXX major at XXXX. 

How can private colleges do this to a single Mom on basically little income and another child attending college. I put in complaints to AG office, my local Congressmen and still proceeded to ask XXXX to return DORM room fees and classes they made her take over. 

Any school in Freshman year making kids take classes other than anything basic that can not be transferred to state school should be considered SCAMS. 

I do not want to pay that portion of my Parent loan. They used scare tactics, false promises then went back on their word in the school handbook. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a natural living person never gave Equifax permission to report INACCURATE information on my consumers report define 15 USC 1681 B ( 2 ) 15 USC 1692 its been 90 days since i sent them my affidavit of truth! an no response