23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXX turned over a loan for collection to the XXXX  XXXX XXXX  XXXX on XX/XX/XXXX that they claim I owe from XX/XX/XXXXin the amount of $XXXX. They have only contacted my mother, the cosigner, via mail for the first time on the first week of XX/XX/XXXX regarding this loan and I have yet to receive any information at all. My mother is still currently making payments on a loan for the exact same amount, also originally owned by XXXX XXXX XXXX, that was turned over for collection to XXXX XXXX XXXX in XX/XX/XXXX. I was made aware of this issue when I checked my credit report and found this loan for $XXXX posted to my report that was opened XX/XX/XXXX. My mother has contacted American Education Services , who I have multiple student loans with ranging in years from XX/XX/XXXX-XX/XX/XXXX when I attended college, She asked them for a promissory note for this loan along with any other information verifying the validity and they keep informing her that they are working on it. She has also contacted XXXX XXXX XXXX via a phone number on the letter and requested the same information to which they responded she will receive it in the mail within thirty days. The letter also stated that she had thirty days to dispute the validity of the claim before they pursued other actions to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated.
Product: Credit reporting or other personal consumer reports

There is a dispute regarding my account XXXX XXXX XXXX XXXX. The reasoning for this letter is, I have been charged twice in my account as you can see in the following statements. 2 days before my auto payment, I paid the full statement amount of XXXX cents as of XX/XX/year> with my XXXX debit card, the reference number is ( XXXX ). 2 days later, debited from my auto payment XXXX dollars from my XXXX XXXX  account, Reference number ( XXXX ). I found it not correct because I have paid the statement amount in full as of XX/XX/year>. XXXX. I contacted XXXX XXXX XXXX XXXX XXXX in regards to the auto payment of XXXX dollars, and the representative stated the error made by the shop your way master card system and acknowledged the mistake made from their side. The representative advised me to contact my bank XXXX XXXX  to reverse the auto payment because I had already paid the amount in full 2 days before the autopayment was scheduled. I then realized the following month XXXX XXXX is charging me the reverse payment of XXXX dollars in my account statement. I have called XXXX XXXX in regards to this matter and spoken to XXXX in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureaus XXXX, XXXX, transunion about incorrect information on my credit report and they never respond or never remove the information thats incorrect on my report Ive called and mailed them at least the last 6 months 7 or more times Im so frustrated with this I dont know what to do its ruining my reputation They are violating the law my right to privacy and my right to fair credit reporting USC 15 1681
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXXXXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXXXXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted method of verification letters dated XX/XX/2020 to each credit reporting agency ( XXXX, Experian, and XXXX  ) regarding XXXX/XXXX  after they stated it was verified/accurate, but I never got a response from any of the CRAs. I have disputed this inaccurately reported item several times and I dont think they are investigating this issue at all. They are only sending an auto response just to satisfy an investigation.
Product: Debt collection

I moved into my home XX/XX/XXXX First HOA due in XXXX I thought the insurance paid that ( first time homeowner ) I was not working due to COVID I did reach out to the HOA to discuss It was sent to collections XX/XX/XXXX I paid XXXX XX/XX/XXXX I paid XXXX They applied my money to something else and state I still owe XXXX I want this deleted from my credit report and the correct payments applied correctly. XXXX should be XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$1000.00} on the XXXX XXXX, original creditor XXXX XXXX XXXX. ( Please see page attached from my credit report. ) The opening date of this account is not in XX/XX/2019. In fact, this account is over 7 years old and was opened fraudulently from an ex-girlfriend who forged my signature. I filed a fraud affidavit and this account had previously been removed. I never gave permission or authorized anyone to open this account. This account has also been sold and re-aged and should not be reporting at all. This is a violation of the Fair Credit Reporting Act and is mandated that this line item be removed from my credit report. This false reporting of a collection/chargeoff, that is not mine, is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am contacting you to address several concerns regarding errors in my credit report, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing discrepancies.
Product: Credit reporting or other personal consumer reports

I am contacting you to request the immediate blocking and deletion of certain accounts and inquiries on my credit file, as I am a victim of a data breach and identity theft. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to maintain its accuracy.

Please remove the following accounts from my credit file : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$48000.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$380.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$840.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2800.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

. I recently applied for a no cash out refi owner XXXX with a LTV of 15 % and XXXX XXXX. 
First they send docs for their portfolio program which was not the product I requested. I wanted a fnma 30 year fixed. I am self employed with rentals. My income was MORE than sufficient to support the payment. I would be lowering my payment form {$1600.00} to $ XXXX monthly. I provide more than enough information to qualify. I was actually prequalified by their rep. The underwriting is terrible they do NOT know XXXX XXXX guidelines. The do NOT ask questions if they don't understand something in your file. They are DISCRIMINATORY towards XXXX-XXXX clients. They sent me a denial letter based off an assumption without bothering to ask for for a letter of explanation. The denial letter did not provide the explanation that they provided to my rep. The denial letter was vague. I NEVER received a list of conditions had I done so the issue could have been resolved. The underwriter was wrong in restarts to my ownership of a rental property because she did not understand what a trustees is or various titles in which real estate can be held. Had they asked they would have seen the underwriter was totally incorrect. You do NOT make decisions on a borrowers loan based income off what you think you ask questions. When I offered to correct the underwriter I was told my rate expired and I would need to reapply at the higher rate or apply for their portfolio loan. XXXX their portfolio loan with the higher rate. That's what they were pushing me towards from the beginning.Why would I do that with more than sufficient income and excellent credit and a {$160000.00} loan on a {$620000.00} home. I also have more than enough reserves in my bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my notarized affidavit to the three credit bureaus and LexiNexis I received paper work from LexiNexis showing they have deleted the fraudulent account XXXX keeps sending me results saying the Company verified this fraudulent account when that is not true the company Lexis Nexis provided me documents and letters stating they did not Verify any thing i even called them and spoke to a rep who looked at my Lexis Nexis file and stated they are not reporting any Bankruptcy on my file and requested all three credit bureaus to remove the inaccurate and fraudulent account. I have Enclosed all documents and corraspondence with this Compliant. I called last month and talked XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to Los Angeles police dept and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character. Enclosed is the 3 updated credit reports showing that XXXX and XXXX are not reporting this fraudulent information XXXX is the only reporting agency who is knowing and willingly reporting the inaccurate and fraudulent information. Please not they are not investing anything and just responding with some auto generated letters.
Product: Debt collection

I have had an existing account with Conns XXXX XXXX which I have paid on for the past four years. IN early XX/XX/XXXX I came into some money and decided to pay off all my loans including Conns. To assure I paid the full amount owed, ( I pay installments through online banking with XXXX XXXX  ) I called each company and got a precise payoff and to make sure the full amount was paid, sent approximately {$10.00} more on each than was quoted as owed. Conns advised me that I owed {$970.00} on the debt. I sent them {$980.00} on XX/XX/XXXX and of course I can verify this. To date, I have received regular calls stating that my debt was never paid and I am behind in payments. I have talked to them personally on five different occasions, in one of which I was advised by someone in their accounting department that the payment had been applied to the wrong account but I was assured it had been fixed and I would receive no more calls since it had cleared the debt. I continued to receive calls and on one occasion approximately three weeks ago, after a heated exchange with one of the accounts, ( XXXX, was the only name she gave ) was assured once again that the debt would be closed as paid and I would receive a letter from Conns to this effect. I never received a letter as stated but I did receive another letter today, XXXX XX/XX/XXXX, stating that my account was past due and I owed a past due amount of {$210.00}. It is as if Conns deliberately disregards all my attempts to get this resolved and continues to browbeat me into paying more money. I have filed complaints with the credit bureau and have written three separate letters to Conns truing to get this resolved. I have proof of payment on the XX/XX/XXXX, copies of all commuications wiht Conns and coipies of all communications with the credit bureau.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX Balance : {$0.00} ; AFFIRM XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Department of EDXXXX violated the United States Code Law. As detailed in 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In XX/XX/XXXX, I received notification that my credit report had XXXX late payments reported from the Department of EDXXXX XXXX This was the first time I was aware of payment being required as the Department of EDXXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all XXXX student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. I submitted hardship letters to the Department of EDXXXX requesting they grant me a Goodwill Request as the XXXX late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. 

The Department of EDXXXX has continuously refused to not respond to my letters and has violated my rights as a consumer. 

Please consider this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  XXXX Account # XXXX 30 days late in XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and Transunion do have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit card

I owed a credit card company a principle amount of money in XX/XX/XXXX. In XX/XX/XXXX they filed against me in court. I never received a letter of documentation stating I was being sued. In XX/XX/XXXX they began collecting and so far I have paid out almost 4 times the principle amount plus interest and I continue to have my wages garnished.