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

Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am formally requesting their removal within 15 days. I have included the necessary documents for your review and reference.
Product: Student loan

Navient had increasingly made it difficult to star a repayment plan to bring my account out of deferment and would only offer an agreement which I would not be able to read first, only have the terms dictated to me over the phone and give a verbal agreement to extend the life of my loan. I do not have enough liquid capital to overcome the thousands in interest that have accrued and they offered nothing except for threats that my credit will continue to be ruined until I paid. The loan was then being managed by XXXX ( XXXX XXXX XXXX ) which I was able to arrange a repayment plan to bring my account out of deferement however, after my first payment, the loan was returned to Navient. I am struggling pay check to paycheck without the means to overcome this debt, though when I was paying more than interest only payments for years, prior to losing my job and finding a new one. They offer very little and I have tried other means to refinance my loans but am always denied.
Product: Consumer Loan

I previously submitted CFPB complaint # XXXX. XXXX XXXX of Ford Credit stated in her response to the CFPB complaint that a 30 day late pay for XXXX 2014 is NOT being reported by XXXX XXXX. I have highlighted this statement on page XXXX of XXXX of attachments ( Ford Credits response ). 30 day late pays ARE being reported on my XXXX and XXXX for XXXX of 2014. I have attached hereto ( i.e. pages XXXX of XXXX and XXXX of XXXX ).
Product: Debt collection

I have never done any buisness with Credence Resource Management whatsoever no verbal or written agreement they have been calling me non stop after I have disputed this false debt twice and no verification was ever provided they are violating my rights under the FCRA I have a right to privacy and fair credit reporting.
Product: Credit reporting or other personal consumer reports

The right to contest my credit report is something that every American has ( In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance to the accepted standard of XXXX XXXX data field reporting ), and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable.I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support itYou must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with XXXX XXXX format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( XXXX ) and my updated personal credit report following any correction ( XXXX ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :
Product: Consumer Loan

We have a fairly new lease on a new XXXX vehicle managed by Chrysler Financial. 

There appears to be no way to make a payment to Chrysler Financial without having to pay a XXXX XXXX fee. 

When we learned of the fee for making an electronic payment on the Chrysler website, we decided to add them as a payee on our banking bill pay instead. This way the payment goes straight from our bank to them and we do n't need to use the XXXX XXXX interface web page or services. 

A week or so after our payment was made, we received a bill from XXXX XXXX for a fee ... ..although we did n't even use their services!!!!! 

It seems unfair to force consumers to pay an extra fee just to make our lease payment directly to Chrysler Financial. There appears to be no way to avoid this fee from a 3rd party even though we are not using their service. 

This fee was also NOT disclosed on our leasing documents or during the leasing process. 

if Chrysler decides to use a 3rd party to process their payments, that seems to be their cost of doing business NOT mine.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This account is marked inaccurate ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail.
Product: Debt collection

THIS " DEBT '' is being collected fraudulently outside the STATUTE OF LIMITATIONS in Arkansas. 

In XX/XX/XXXX, I entered the XXXX XXXX at XXXX XXXX XXXX XXXX. My insurance was provided. My insurance was at the maximum out of pocket limit at the time of service so I was not expecting a bill. 

Someone at the hospital made an error. The visit was submitted as workman 's compensation when that was never claimed. 

In XX/XX/XXXX, a collector began reporting to the bureaus that I owed a medical debt of {$1900.00} to a XXXX XXXX XXXX XXXX XXXX'. No information had been provided before then and no paper bill or document from the hospital, doctor, or notice from our insurance of a bill being owed was ever received. 

I disputed the debt but looked into finding the original creditor. The collector reported back to the dispute as having " verified '' that information and on some bureaus slightly altered the date to XXXX XXXX. We had not been to any XXXX XXXX or hospital since XXXX. 

After locating and contacting XXXX XXXX XXXX ( the servicer that manages billing for the physicians at the hospital ) they verified that debt amount and the date as XX/XX/XXXX not XXXX. 

Then contacting the former insurance company at the time they verified the medical bill had been submitted to them but was listed as " XXXX XXXX '' so it did not move forward. The agent on the phone verified the XX/XX/XXXX date and the amount {$1900.00} as well as indication that not only was that the incorrect charge with our insurance but we would not owe given the status of our insurance. 

We have provided this information to the bureaus. Because the collector is reporting the medical debt falsley as occurring in XXXX it will not automatically be removed at the right time. Nevermind that we do not owe the debt.

This has dropped my credit score by XXXX XXXX XXXX  and prevented my attempts to apply for a mortgage. 

Disputing with the bureaus has proven useless. They have not changed the information and falsely claimed to have verified the information. The option to work with the agent and original creditor to reprocess the debt is on going but slow. We are also not certain of the XXXX score recovering to where it was prior to this fraudulent collection.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I am unaware of them, and the company did this without my approval.
Product: Debt collection

Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : XXXX. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009, and what actions s/he has taken in relation to this account.
Product: Credit reporting or other personal consumer reports

Company failed to removed collections from credit report after debt was invalidated and removed from other credit bureaus.
Product: Credit reporting or other personal consumer reports

Verify this account, as it does not belong to me. I do not recognize it and I am concerned about potential fraudulent activity. 

XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX XXXX XXXX Experian / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, a hard inquiry was made on my credit report by the US Small Business Administration Office of Disaster Assistance. I did not, nor have I ever had contact with the US Small Business Administration regarding a loan or for any other purpose. I have not received an explanation when I contact a representative with the 800 number listed on my credit report with this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received the response however you will not remove the XXXX collections account or and XXXX financial the addresses associated with the accounts. I have provided you with the police report that my husband also provided you. His credit file has been updated with accounts deleted. My file still showing the collection accounts.
Product: Credit card or prepaid card

A XXXX XXXX credit card was opened in my name.
Product: Checking or savings account

I opened a DiscoverCard Bank Account, that would automatically pay my DiscoverCard bill when it came due. I have set a {$900.00} credit limit on the card because I have had my card number stolen on the internet twice and the second time they charged 2 items at {$1000.00} apiece. With my {$900.00} credit limit I have to watch my spending, but I do that. The DiscoverCard Bank was going to pay off my card on time. XXXX thru on XX/XX/XXXX my credit limit was in sight so I sent in {$300.00} to Discovercard, so my card would keep on working. So at the end of the month, instead of paying off the card in full, it only paid the balance left after my {$300.00} payment was taken in. I now at the beginning of XXXX XXXX XXXX ) I have less than {$400.00} credit left on the card, which with all the transactions for the month will not be enough. I called Discovercard and asked them to close the DiscoverBand account and put all the money into my Discovercard amount and close the DiscoverBank account. They said they could not do it - in my mind this is a SCAM - I can not transfer my own money from the 2 accounts I own. They have my money and they will not give it back.
Product: Debt collection

XX/XX/2021 I settled a debt owed to Schreiber Law Firm, who was claiming to represent XXXX XXXX. I have the confirmation documentation of the payments receipt. 

Upon negotiating and receipt of payment it was understood that Schreiber Law Firm, would inform their client, XXXX, of the payment received and under XXXX XXXX  standard " pay for deletion agreement '' the account would be removed from my credit within 30 days. This agreement was negotiated with XXXX XXXX of Schreiber Law. 

On XX/XX/XXXX the account remained. I contact XXXX XXXX of Schreiber Law who informed me that the fault is on XXXX. She told me to call XXXX. I called XXXX who claimed they had no information on the account and no record of payment and told me to call Schreiber. 

I have called and emailed each company over 6 times in the past 50 days. Each company is claiming they can not speak to me about the account and that I need to call the other company. XXXX XXXX has stated that she will " Reach out to management '' however has not provided any follow up correspondence. 

As it stands now : - It appears that XXXX XXXX simply pocketed my payment and is refusing to tell their client XXXX. 
XXXX as a result is refusing to mark the account as paid and remove from the credit bureaus. 

These actions are preventing me from obtaining a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or make these changes on my profile regarding these fraudulent inquiries. Please see attached FTC report and I will be looking forward to the updated report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

My surge card application took ALL of my personal information before denying me. I dont appreciate my information being in their system to use or sell. 
I am reporting them to XXXX  AND XXXX XXXX. 
Most companies ask for the last four digits of our social, not the whole umber. 
I was XXXX  to give the info in the first place and I dont care that I was denied the card, but you have private info of mine and that is a BIG PROBLEM.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We owed XXXX XXXX dollars, we sent them the payment and the check was cashed. The collection company TRANSWORLD SYSTEMS INC, is still sending the collection letters. I tried to contact them by phone and their web site and they do not respond. This is an abuse and I am afraid that they can ruin my credit for something I have already paid
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, ( XX/XX/year>XXXX  ), Contents of Complaint : This CFPB complaint has been filed torequest pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX, XXXX {$530.00}. XXXX XXXX XXXX, XXXX, XXXX, {$520.00}. XXXX XXXX XXXX, XXXX, {$800.00}. XXXX XXXX XXXX, XXXX, XXXX {$13000.00}. XXXX XXXX XXXX XXXX, {$250.00}. XXXX XXXX XXXX XXXX, {$790.00}. XXXXXXXX XXXX XXXX XXXX XXXX, {$470.00}. XXXX XXXX XXXX XXXX, {$3900.00}. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I closed my Fortiva credit card account last year and am being charged a monthly " Account Maintenance Fee '' in the amount of {$12.00} and was just charged an " Annual Fee '' of {$49.00} on XX/XX/2019 even though my account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been falsely accused of Suspicious Fraudulent Activity that has been inaccurately reported to Chex-systems & XXXX XXXX. This company has yet to verify any legal binding contract of any unpaid debt owed & refused to remove this erroneous item without an explanation. Failure to comply any proof of information of debt will result in small claims court for their action & damages of ; Defamation, Libel, Negligent Enablement of Identity Fraud & Violation of Fair Credit Report Act.
Product: Student loan

I filed case XXXX XXXXXXXX studentaid.gov related to ongoing issue with my student loan. 

Case Description : I have filed a previous complaint regarding public loan forgiveness as it relates to loan sequences XXXX and XXXX. I was advised that the consolidation was processed and I have XXXX credits towards loan forgiveness. I am inquiring as to whether I will be receiving money back for the payments made in XXXX XXXX XXXX  since I've exceeded the required XXXX credits for public loan forgiveness. I made ( XXXX ) payments {$28000.00} and {$14000.00} on XX/XX/year>. I did not receive accurate information from Mohela which resulted in me prematurely making payments on my student loans despite eligibility for loan forgiveness. I am trying to determine whether I will be receiving funds back as a result of exceeding required payments. I have not heard back from studentaid.gov regarding this matter. Separately, I am working my state representative on this matter. Thank You
Product: Vehicle loan or lease

In XX/XX/2022 I refinanced my vehicle loan through Capital one. The loan was originally through XXXX, and both my ex fianc and myself were cosigners on the loan. Before signing the paperwork I asked if my ex fianc would be removed from my car title if I refinanced and I was told that he would be. Recently, when attempting to trade in my vehicle, I found out that he was never removed from the title. I spoke with the PA DMV and they told me to speak with my loan provider, and when I contacted capital one they told me that I needed to go to the DMV. At this time I can not sell or trade the vehicle because capital one never removed my ex from the title. I am unable to contact my ex because I do not have a phone number or address for him. I need capital ones help to correct the title and have him removed, I am the only one financially responsible for the vehicle.
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. 
Account name : 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 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.