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

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. I ask that the items be deleted to correct my credit report. Please delete the items as soon as possible. 

REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Please remove any and all unauthorized inquiries from my reports as I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

Fraudulent/Negative Accounts : Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$460.00} Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$800.00} Fraudulent Collection Accounts : Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1300.00} **UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX  ** Unauthorized Inquiries : Inquiry name : XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX. It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Debt collection

This account is well over XXXX XXXX XXXX and his been written off by the original creditor XXXX XXXX XXXX. Therefore it was reported as income to the IRS. It should no longer be reported as a debt on my credit report. According to Federal Laws there should be no income reported on my credit bureau report. 

Also this credit bureau report is indicating that this opened on XX/XX/23. That is inaccurate also. 

The lack of accuracy on my report is adversely affecting me
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion site response : The site is impossible. Its not capable of doing anything correctly. I was not able to check all of the boxes above. The onsite action is supposed to make one 's life easier. 

All I wanted to do was add a lift a freeze for a time frame. 

Not sure how this company can monitor credit when they can not function itself. 

Hard to do disputes Hard to do freezes Hard to access site Hard to get someone to chat with Hard to do anything. Unlike XXXX and XXXX, who are both on top of it, TU is the absolutely WORST.

We're unable to complete your request online.

Please try your request by phone or mail.

What to do now : If you're trying to request a credit report, please contact our Consumer Relations team at ( XXXX ) XXXX, Monday through Friday, XXXX XXXX  XXXX XXXX  ET. 
If you're trying to dispute information on your credit report, contact our Consumer Relations team at ( XXXX ) XXXX, Monday through Friday, XXXX XXXX  XXXX XXXX  XXXX, or dispute by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Pressler and Pressler in New Jersey has been pursuing me for a medical debt of roughly {$1200.00} for the past several months. I initially set up a payment plan as I receive low income and am supporting my 14 month old daughter. I set up this payment plan in response to being sued by Pressler and Pressler with no warning. After several months of being invoiced and paying them I stopped receiving invoices. With absolutely no warning I discovered that Pressler and Pressler had garnished and frozen my bank account in attempt to collect the debt. I called them to try to resolve the issue and the only thing they would allow me to do was make a payment on a payment plan, however they would not release my bank account to me, claiming that I needed to hire a lawyer to proceed. I had to pay them using a credit card, which I am not worried I can not pay because my bank account remains frozen. The gentleman I spoke to told me that if I do not make payments I will be held in contempt of court and will possibly face charges or legal action. Without my bank account I am now unable to pay for my housing, my credit card bills, and most importantly, provide for my daughter.
Product: Student loan

I XXXX from a four-year program at XXXX in XXXX. My student loan debt total was {$26000.00}. My loan has been managed by AES. 

It's been difficult repaying the loan, but we have never defaulted. 

As my wife also had a small balance left on her student loans, we were advised by AES advisors to do a Spousal Consolidation of our loans ( a program offered by AES at that time ), which we did in XXXX. 

In XXXX, the Spousal Consolidation loan program was abandoned as a bad idea - no new Spousal Consolidation Loans would be granted, but those of us with Spousal Consolidation Loans would remain status quo- with our Spousal Consolidation loans intact as such. 

I began full-time employment at XXXX in XXXX. Around XXXX, a coworker told me about the Public Service Loan Forgiveness program. Under the PSLF, student loans would be forgiven after 10 years employment in public service, and we were thrilled to discover that my work at XXXX would qualify as Public Service. Indeed, I served XXXX XXXX XXXX XXXX wholeheartedly for 13 years. The work at XXXX  was long and hard - pretty much XXXX with no time off and was indeed service related. I resigned in XXXX after 13 years of service. 

My wife and I began looking into PSLF in around XXXX. 
Our AES Advisors informed us that Spousal Consolidation precluded us from PSLF!

We were not informed about this at the time of our Spousal Consolidation.

Recently, President Biden 's initiatives have provided an avenue for all public service workers to benefit from PSLF by granting the ability to un-consolidate and refi their student loans into the Direct Loans Program.

AES has restricted Spousal Consolidation Loans from this refi into the Direct Loan Program. Clearly, they are disregarding the intent of the PSLF Program and are using any means they can invent to retain as much loan repayment income as possible. Indeed, while my original loan balance was {$26000.00}, my total balance is now $ XXXX - while, because of interest, I have repaid {$100000.00} to date. At this rate, I will never be able to satisfy this debt and will pay on it for the rest of my life. I thought the US backed Student Loan Programs were intended to educate us. In actual fact, these programs are a way for AES and other government finance agencies to earn income from American Citizens.

We were told by an AES Advisor that when the Spousal Consolidation Loan Program ended, all individual loan records were destroyed prior to Spousal Consolidation, thereby eliminating any reference information by which the loans could be un-consolidated.

A few weeks later, we were told by a different AES Advisor that this was not true, that the Advisor who gave us this info didn't know what they were talking about, and directed us to a page within the AES website which documented all of our loan information from the very beginning of our loans.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, I am disputing the following accounts on my credit report because they appear without my written authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Basis for Dispute 15 U.S.C. 1681 Section 602A : Ensures my right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : States that my information can not be included without my written consent.
Product: Credit reporting or other personal consumer reports

XX/XX/27 I looked at my credit file I called the companies and was told that information reported on my file is accurate but I never applied for anything. I explained I never made those inquiries. So I called the credit bureaus and was told to make a complaint with ftc.
Product: Credit reporting 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. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and 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 ( 2 ) : It also 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, 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX PA ) Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor : PREMIER XXXX PA ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( XXXX ) ( B ) ] : XXXX XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. 

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove these Incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, and XXXX AA XXXX XXXX XXXX XXXX, WA XXXX, Fraudulent accounts XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$27000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00}, and erroneous name : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I am formally to express my concerns regarding Zelles handling of disputes, particularly in the light recent CFPB lawsuit highlighting the significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution in Zelle failed to investigate. My claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint involves a consumer reporting agency ( CRA ) not following the guidelines for responding to a dispute set forth by the Fair Credit Reporting Act ( FCRA ). I have written to them three times about ( REMOVING ) a bankruptcy that is on my credit report. All three notices from ( XXXX   XXXX XXXX ( XX/XX/20 ), XXXX  ( XX/XX/20 ), Trans Union LLC ( XX/XX/20 ) agencies wrote back saying it has been confirmed by a third party ( XXXX  ). This, in itself, is in violation of the FCRA. Information is to be verified in person by a person working for the CRA 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has 2 Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX Credco has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX. XXXX I tried to access my checking account through the mobil app only for it to say were sorry this service is unavailable at this time I figured maybe since they transferred to a new company that it was just an error and it would be fixed within 24 hours. Not the case. I then tried every day up until today XX/XX/XXXX when I was so frustrated that I called and was on hold for over 2 hours only for the lady to say it was a password issue which I tried to explain that wasnt the issue, she then sent a new temporary password to my email and at that time she mysteriously disconnected our call, so I proceeded to try to access by using the reset password with what she had sent before we were disconnected which didnt work! I have tried to access my account through the app, on my mobile web safari AND through a laptop/desktop computer all with the same issue. I have not been able to access my account and I am unable to visit the nearest branch because the closest one to me is over 4 hours away ( due to me moving ) however I get automatic deposits each month into this account. I need access to my account this is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my THIRD time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -CAPITAL ONE # XXXX -CAPITAL ONE AUTO FINANCE # XXXX -XXXX XXXX XXXX  # XXXX
Product: Mortgage

In starting a Short Sale Approval process for a signed contract for the borrowers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's ) mortgage loan with NationStar ( Loan # XXXX ) the bank is insisting that the home be " given a broader marketing '' which equates to an auction. The owners are under contract to sell to buyers and getting under contract with other buyers can put them at risk of a lawsuit. If the purchase offer is not satisfactory, the investor/bank has the right to counter the offer. They do not have the right to auction a property they do n't own.
Product: Debt collection

I received s XXXX from a debt collector : Midland Funding LLC to appear on XXXX XXXX, XXXX for a deposition The XXXX regards a debt that is 10 years old and for which I have gone to court at least one time before 3 years ago. The XXXX states that I must " continue in witness from day to day unless.discharged by me ''. 
This debt is XXXX XXXX XXXX and has been placed on my credit report under several different company names on several occasions for the full 7 years requirement.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I disputed the medical debt collections. It was still kept on my report even though XXXX has written articles on removing medical debt collections that are paid in full. I did not explicitly state this was the reason I was disputing the account. Confirmation number : XXXX. On XXXX  I disputed the medical debt collections again. It was still kept on my report even though XXXX has written articles on removing medical debt collections that are paid in full. These articles I have attached to the XXXX dispute. I called and spoke to one representative who did not know about XXXX 's removal of medical debt, sent to collections, and paid in full. I was transferred to a supervisor XXXX, who only verified my information and concern then dropped the call and did not call me back. I then called another time and was told to attach a cover letter outlining my request in addition to the articles I already attached as supporting documents. Confirmation number : XXXX On XXXX I disputed the medical debt collections again, for the third time. It was still kept on my report even though XXXX has written articles on removing medical debt collections that are paid in full. I attached a cover letter explaining the removal of medical debt, paid in full, and in collections. I attached articles both to the cover letter and the dispute itself. Confirmation number : XXXX I called on XX/XX/ and spoke to XXXX XXXX I am at a loss and have no idea why these articles, published by XXXX aren't made aware to the dispute investigators, why the documents aren't being read, and how many more disputes until the new policy is taught to individuals. 

On XXXX XXXX I applied for a Citi Custom Cash card. I was told I was declined because of the XXXX Credit report showing a Major Delinquency, the Medical Debt that is continuously ignored as medical debt in collections. The account, which should not be in my history has prevented me from attaining a financial product.
Product: Vehicle loan or lease

I have a car loan with Santander and my car was stolen on XX/XX/XXXX. Since it was not retrieved, my insurance company declared it a total loss and issued a check for its value. Since I have only had the loan for three months and would like to avoid going through the entire financing process once more, I requested a substitution of collateral from Santander. Each time I call Santander 's customer service to discuss this, I am given a different answer regarding the feasibility of my request. At first, I was told that a substitution of collateral does not exist. After calling several more times, I was informed that it does indeed exist but it is never done for total loss cases. I would like a my request to be handled by someone who is well versed on this issue as I have been without a vehicle for close to three months.