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

Dear Sir/Madam, I am writing to dispute 18 inquiries that appear on my credit report. According to my records, these inquiries were not authorized by me, and I believe they were made without my consent. 

1. XXXX - XXXX - Account Review 2. XXXX XXXX - XXXX - Account Review 3. XXXX XXXX - XXXX - Account Review 4. XXXX - XXXX - Account Review 5. XXXX XXXX - XXXX - Account Review 6. XXXXXXXX XXXX XXXX XXXXXXXX - Account Review 7. XXXX XXXX - XXXX - Account Review 8. XXXX XXXX - XXXX - Account Review 9. XXXX XXXX - XXXX - Account Review 10. XXXX XXXX XXXX XXXX - Account Review 11. XXXX XXXX - XXXX - Account Review 12. XXXX - XXXX - Account Review 13. XXXX - XXXX - Account Review 14. XXXX XXXX - XXXX - Account Review 15. XXXX - XXXX - Account Review 16. XXXX XXXX - XXXX - Account Review 17. XXXX - XXXX - Account Review 18. XXXX XXXX - XXXX - Account Review I am also requesting that these inquiries be removed from my credit report as soon as possible, as they are negatively affecting my credit score. 

I have enclosed a copy of my credit report with the inquiries in question highlighted for your convenience. Please review the information and provide me with a written response within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX reviewed my credit report and found the following items to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two fraudulent accounts and three inquiries On my credit report. 
Accounts 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

XXXX, XXXX A SOC SEC # XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX A SOC SEC # XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Vehicle loan or lease

Around XX/XX/2014 I obtained a loan from Exeter finance to acquire an XXXX XXXXXXXX XXXX. Months after I obtained the loan my parents house was about to get foreclosed on. I called Exeter finance and asked if I could make 2 late payments due to unforeseen  circumstances. The customer service representative said that she could do better than that. She told me that she would put my next 2 monthly payments at the end of my lease so that I don't accumulate late fees. It seemed like a very simple task until not even 6 weeks later my car was repossessed for non-payment, a payment in which was agreed would be moved to the end on the loan. I called and tried to get everything sorted out and they told me they didn't receive my agreement, I sent them the information showing them the agreement and the representative told me it was too late and that I would have to pay almost {$4000.00} in fees that were assessed. The company illegally repossessed my car for purposes that were the fault of the company and weren't willing to take the blame or make it right by returning my vehicle even though they acknowledged their fault in it. The company therefore broke an agreement made between the company and consumer and it needs to be remedied. I have contacted XXXX  as this item should have never went on my credit report, it is a fraudulent loan due to agreement terms being broken by the company. If this item isn't removed from my credit report, I will be pursuing charges and contacting the FTC to pursue fines for unfair and unethical practices.
Product: Credit reporting or other personal consumer reports

TransUnion I demand TransUnion provide the original instrument on the underlying obligation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX generally accepted accounting principles for this aleded collection account. 

I demand TransUnion to remove these three hard acquires as I did not authorize them immediately with rapid rescore. 

Hard inquiries XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I demand XXXX to change the account foXXXX XXXX XXXX from not current on XXXX XXXX, XXXX, XXXX, and change to current as this is a violation of 15 usc 1681 ( a ) ( d ) ( 2 ) ( A ) ( I ) so i demand it be corrected immediately with rapid rescore. 

I demand XXXX to remove this hard, acquire as I did not authorize it immediately with rapid rescore Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I demand XXXX remove these hard, acquire as I did not authorize it immediately with rapid rescore Hard inquiries XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I demand XXXX provide the original instrument on the underlying obligation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  generally accepted accounting principles for this aleded collection account.
Product: Debt collection

I paid a debt i was unaware of to the XXXX of XXXX XXXX department. It was from a house i rented five years ago and just recently showed up on my credit report. The collector was unable to actually receive payment so i went and paid in person at the XXXX XXXX XXXX payment window. Now Penn Credit the debt collector and/or the XXXX of XXXX XXXX department are not updating the credit beureau 's that the debt is paid in full!! I have sent XXXX letters and numerous phone calls to each. I even submitted the bank statement showing the transaction paying the city.
Product: Credit card or prepaid card

unidentified payment was posted to my account one year ago and a month or so later removed. Credit card restricted the account for one year now. Called numerous times and no one in fraud can tell me what to do to restrict the account. On XX/XX/XXXX a new payment was charged to my account XXXX and they can not tell me why ecause the account is restricted and the account manager has been unavailable for one year. Another rep says there is no account manager and when i inform the rep that i am recording the call as the misinformation is excessive they say they are disconnecting the call. I owe XXXX and they are charging me XXXX. My account is on auto pay and no one can tell me why the restriction or the double charge at Capital one.
Product: Debt collection

My debt was wave do to a reinstall of services with XXXX, so there is no debt, but this company still want to charge me
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told my identity has been stolen because some XXXX had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$5600.00} US DEP ED XXXX {$14000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$540.00} XXXX/XXXX   XXXX {$250.00} XXXX/XXXX   XXXX {$500.00} DEPTEDXXXX   XXXX {$4500.00} DEPEDXXXX   XXXX {$3000.00} XXXX XXXX   XXXX {$0.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$540.00} XXXX   XXXX XXXX XXXX {$420.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX  XXXX {$4800.00} XXXX XXXX XXXX {$130.00}
Product: Student loan

Induced into a " gap '' loan known as " XXXX ''. This was in conjunction with a federal loan. Even though we have above average credit scores, we were shocked to find out that this was a 12 % loan. We have taken out several consumer loans and have received two to five percent funding on those. We paid monthly as we were waiting for the 40 % reduction to take effect. We found our loan was turned over to someone outside of the XXXX XXXX that started the XXXX for the XXXX loans. We believe they are selling these loans to other servicers without addressing the loan reduction. Our loan originated in late 2012, right in the middle of the XXXX rip off. We have sent a letter to the loan servicer requesting the reduction and put them on notice of our intent to suspend payments until the XXXX lawsuit is settled. Part of the lawsuit requests rescission of these bad loans. We will continue to pay on our federal loan as regards the education. Still not happy that even with a degree the income from this education reaches 60 % of the XXXX dollars necessary to achieve a middle class existence. So much for higher education.
Product: Credit reporting, credit repair services, or other personal consumer reports

This started back in XX/XX/XXXX with Freedom Mortgage when I was separating from my estranged husband and this company ignored all documentation sent for a Deed In Lieu of foreclosure request. 

They had us fax the documentation and then wait for a response. I never received any acknowledgement of the receipt of my paperwork despite constantly writing and calling. 

The home eventually foreclosed and I was going through too much at the time ( hospital stays, loss of a job at a company where we both worked ) due to the ending marriage, etc ) to keep fighting with them. 

Fast forward to XXXX and after the devastation of the pandemic, I have being calling them time after time to find out why there's still a balance on my credit report despite them telling me over the phone that I owe nothing. 
1. The balance they have is bringing down my XXXX score, but it is reported correctly on XXXX. 

2. I've disputed this many many times, and the amount has changed a few times but not to {$0.00} like they said it should be. 

3. I've called and they said they could provide written documentation, then turned around 2 business days later to say they couldn't. 

4. They told me to email their credit department because they could get me a copy. SURPRISE, they never answered the email.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint.I 'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I paid the original creditor and on my credit report it is showing that there is still a balance for this account. Since I already paid the creditor I would like this to reflect correctly on my credit profile. Please delete this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account 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. States a consumer reporting agency can not furnish a account without my my written instructions.
Product: Debt collection

I was illegally served Wages garnishment They never contacted me about this
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identify theft and did not make the charge. I ask that the following items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I am also a victim of the XXXX Breach.
Product: Debt collection

We received a collection letter from CheckCare requesting payment in the amount of XXXX which included a {$25.00} fee. The first name was in correct and the NSF check was allegedly written to XXXX for a prescription. It is very rare for us to even write checks and our accounts are not at risk for NSF. We have never been to XXXX. Assuming this is a scam collection and we will not provide any personal information to this company. What else can/should we do to protect our credit/identity?
Product: Money transfer, virtual currency, or money service

Hello, This is XXXX XXXX, resident of XXXX, California. I am reaching out to notify you about filing a report about an employment fraud/scam. I am a recent college XXXX and submitted my resume on XXXX site, then was reached out via text message from number ( XXXX ) XXXX about an opportunity on XX/XX/XXXX. I thought I was communicating with the actual XXXX XXXX and what I thought was a legitimate business. I was put into contact their alleged Chief Information Officer employee XXXX XXXX to see about the employment and job briefing via XXXX. After contacting someone posing as the real XXXX of the company, I was offered the work from home job. On the job application, my personal information like my social security and home address was included. XXXX XXXX then informed me that the company was issuing me a {$3500.00} check to purchase my at home office. The alleged company issued out a check on XX/XX/XXXX to acquire an at home office setup to begin training. Once the check was deposited to my account, I was asked to XXXX the money to individuals that were claimed to be the vendor and shipping agent. XX/XX/XXXX XXXX {$1000.00} payments to person XXXX XXXX and a {$1000.00} and {$400.00} payments to XXXX XXXX. The next day the XXXX, another check of {$4200.00} was issued to acquire the rest of the equipment but {$3500.00} of it was returned because of a problem with the issuer when trying to be deposited. The remaining {$700.00} was instructed to be sent to XXXX XXXX. I was then asked to pay for the rest of the equipment and would be reimbursed but I declined and this began my suspicions. The employees from the company have not been transparent and their communication has began to become suspicious and then ended all together after I alerted them I was reporting them for fraud and further investigation. I am now being charged by bank for the full amount of the fraud checks and am doing everything in my power to report and be protected and reimbursed for the bad money. These scammers were posing as the company and now I know it is a scam and fraud. I have also contacted my bank and credit union for a fraud alert to protect myself as well. US Bank and XXXX have not helped me or reimbursed me for the scam because they claim I had authorized the transactions and they are not held responsible. Which is unfair and now I am out the {$4200.00} that was sent to the scammers via XXXX. I have also filed a report with XXXX Police Department, XXXX District Attorny, FTC and FBI IC3. 
Please contact me to begin the next steps to further investigate and protect myself, and get the money back that was scammed from me. 
Here is my contact information. 
Cell : ( XXXX ) XXXX Email : XXXX Thank you for your help.
Product: Student loan

I was behind by over a year in payments and was not even aware this had happened. I called Navient to explain to them that I was unable to pay what they were wanting every month and if I had any options in lowering the payment or even a forebearance. I was hung up on. 

I tried again a month later and the best they could do is a temporary forebearance. So I took it. Now my income driven plan is ending so I called to discuss renewing it. I make the same amount of money as last year and was told that I was n't eligible and again I was hung up on. With XXXX dependents with major health issues and a stagnant income I ca n't afford full payments. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I defaulted on a credit card with First Progress, date of first delinquency XX/XX/XXXX. It became a charge off and I paid it in full XX/XX/XXXX. I started sending goodwill letters in XX/XX/XXXX as I was trying very hard to clean my credit report. First Progress changed the information in my credit reports ( XXXX  and XXXX ) to a brand new charge off in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX so it is showing on my reports as a brand new missed payment, derogatory charge off every month. 

This is causing severe damage to my credit score and has caused me to be turned down for loans and credit increases through my bank, XXXX XXXX XXXX XXXX. I have disputed with the credit bureaus, XXXX XXXX XXXX  and the company directly to remove the false reporting. They refuse to do so and keep reporting it as a brand new charge off every month. 

I realize I made a mistake in XXXX. I paid for my mistake in full XX/XX/XXXX. They are not allowed to keep reporting as a brand new charge off every month. 

I spoke at length with the XXXX following my attempts to fix this. The company admitted what they were doing and claimed twice the fixed the issue. XXXX recommended I take a complaint through CFPB because of the companys illegal reporting. ( Ref # XXXX )
Product: Credit reporting or other personal consumer reports

On XXXX, I received a message alert from Experian that my score dropped by XXXX points, down to XXXX from XXXX, with no reason provided as to why. This is unacceptable as I've nothing wrong to deserve or warrant this and I want my score restored immediately.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, I received a denied letter for approval of refinancing my auto loan with XXXX XXXX XXXX XXXX, I applied for on or about XX/XX/XXXX, at which time XXXX  XXXX approved me. The XXXX XXXX representative told me over the phone verification of my payoff and issuance of check to my credit union, the auto lienholder, is the last step. I decided to keep the loan with my credit union ( XXXX XXXX XXXX XXXX XXXX ), and : 1. I do have proof of auto refinance loan approval from XXXX XXXX XXXX XXXX. 
2. The denied approval, contrary to the approval, and hard inquiry negatively impacted my credit score lowering it. 
3. I believe the time period is unacceptable to receive a denied approval letter on XX/XX/XXXX, from XX/XX/XXXX, the date ( over 30 days ) I applied for the auto refinancing loan. 
4. I submitted my claim first with CFPB, because XXXX XXXX XXXX XXXX does not have online complaint reporting, only mailing or faxing that I find unacceptable as well as shown below : Dispute with XXXX  XXXX Please include the following information in the dispute letter you send to us : Please send your dispute and supporting materials directly to us : Auto loan-related issues : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX recommend downloading and completing our Auto Loan Credit Bureau XXXX XXXX and XXXX XXXX XXXX relevant information that explains your situation. Return the completed form to the po box address for Auto loan-related issues. 

If you believe you may be a victim of fraud, including identity the, please call us at XXXX. 

Return the completed enclosed form and supporting documents by fax to XXXX, ATTN : Credit Bureau XXXX, or by mail to : ATTN : XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX If you have questions or need more information, call us at XXXX. Were available Monday to Friday, XXXX XXXX. to XXXX XXXX XXXX. 
Sincerely, XXXX XXXX XXXX XXXX I appreciate your help with looking into this situation. 

Best regards, XXXX XXXX XXXX XXXX, XXXX, XXXX