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

There is a credit inquiry from XXXX XXXX XXXX on my credit file ( from XX/XX/2019 ). I did not request any account openings with XXXX XXXX XXXX or their affiliates. XXXX XXXX XXXX assured me no accounts are opened or have attempted to be opened in my name. I was also out of the country when the inquiry was conducted so it is clearly an error. There is no suspicious activity regarding my identity or credit at this time. 

I have asked Equifax to remove this multiple times. The first time they denied it stating I needed to file a police report for identity theft ( but my identity was not stolen ). The second time they have not gotten back to me ( after 30 days ) and continue to " look into '' the problem.
Product: Debt collection

I received communication from XXXX XXXX associates about an amount they claim I owe of XXXX. The letter was dated XXXX XXXX, XXXX to establish the debt was validated. In the letter I received a billing statement that shows a completely different amount from what is being reported to the credit bureau. The address listed is not my address and inaccurate information is being reported. A billing statement does not show a binding contract per FTC XXXX letter from Attorney XXXX XXXX XXXX. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Attached to this complaint are : - My drivers license - shows ID + address - My social security number - A letter I also sent via certified mail on XX/XX/XXXX - FTC Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a collection in the amount of {$1200.00} on the XXXX XXXX XXXX., ( original creditor : XXXX XXXX ) account number XXXX. ( Please see page 5 attached from my credit report. ) This account has been paid in full and should not be reporting on my credit report. XXXX XXXX XXXX., and I had an agreement that when I paid this account off, they would request a deletion of this item with the reporting bureaus. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I sent my daughter {$200.00} via Cash App because she was stranded in XXXX during COVID-19. Initially, it was flagged as fraud by my bank. The bank said to try it again in 5 minutes. I resent {$200.00} in 5 minutes, and Cash App deducted BOTH payments. However, my daughter never received the payments. I have screen shots of my XXXX account, showing they took both payments out, as well as a screen shot of my daughter 's Cash App transactions, that show she never received it. Cash App does not have a phone number, in fact due to COVID, the only way to contact them is through the investor link. The rep told me she received the money. Then he said to have her contact them. She contacted them, and they told her to have me contact them. They literally took their XXXX page down, so I suspect I am not the only one with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus assured me my account was accurately investigated. I find this hard to believe because the accounts are still reporting inaccurately. The open date is still inaccurate, The date last active is inaccurate, and the date last reported is not correct. What was the process used in the investigation into the validity of so-called accounts? I also requested an address update that's and to delete outdated addresses to no avail. This is grounds for removal. They also violated my rights under : 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 A. Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # and company name XXXX XXXXXXXX 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  and TRANSUNION : dated XX/XX/2022 ITS THE DUTY OF THE CREDIT BUREAU to report 100 % accurate information or to give a cure. I do not wish to be part of any fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2018 I believe it was I transferred my title of my vehicle from XXXX XXXX XXXX. In doing so I had to pay the sales tax off on the loan for the remainder of the lease to even be able to register in XXXX  state. I went ahead and did so. For numerous months US Bank was overcharging me ( principal + interest ) on interest I was required to pay off before registering the vehicle. After numerous phone calls and countless numbers of attempts they said that they looked into the problem and correct my bill to just principal in which I owed. I was still getting charged in XXXX for interest I had paid in full in XXXX as numerous phone calls and no help on their end could not correct it. I went ahead after talking to numerous US Bank agents and paid my principal on the loan in XXXX of 2018, US Bank Reported that I paid only the interest and reported me for late payment. I was being overcharged essentially and paying it so a problem would not occur and this situation would not happen. I have proof on my personal bank statement that the principal was paid in full for ever month ( More importantly XXXX ). This is a computer error on US Banks incompetency on correcting the problem. My account is fully paid and fully closed with them and I am still struggling with getting them to correct their mistake. My credit report has been perfect to date and this is seriously upsetting that it has not been corrected. I am just looking for resolution in them doing what it right and knocking this incidence off of my credit report. Thank You.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is my tenth request to remove the following addresses from my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission ( FTC ) regulations, and federal law, which protect the accuracy, fairness, and privacy of personal information in consumer reports. 

Please delete these addresses promptly : 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 According to Section 611 of the FCRA, I am entitled to request the correction or deletion of inaccurate, incomplete, or unverifiable information in my credit file. I have already provided the necessary documents, including copies of my ID and credit-related bills, more than ten times. The inclusion of outdated or erroneous addresses on my report negatively impacts my privacy and violates my rights under FCRA, Section 605 ( a ), which limits the reporting of adverse information. 

Please confirm the deletion of these addresses at the earliest possible time. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

Earlier this year I learned of the Temporary Expanded Public Service Loan Forgiveness opportunity and have applied as I have made the correct amount of payments and met all other conditions. However, I have been locked in an endless dialogue with FedLoan Servicing about my payment count for months. My payment count has constantly changed and my eligibility for TEPSLF turned down multiple times. I have called regularly and kept very accurate records of the content of my conversations. Attached you will find a detailed timeline of the runaround I have been given by FedLoan Servicing and the Department of Education. 

For some time, I wanted to believe that it was just a misunderstanding, or at worst incompetency, that prevented my application from being approved, but I am now under the distinct impression that my payment count is being purposely manipulated to keep me from qualifying for loan forgiveness under the TEPSLF program. Whatever the case, it is clear that their directive is prevent me from accessing total information about my loans and helping me in any way. I believe that some representatives are trying to do what they can it just seems something over them has put a halt to any progress. I know that FedLoan Servicing is up for a new contract with the current administration and I fear they are being overly zealous in preventing people from being approved for loan forgiveness to help in their bid for that contract since that is clearly what the administration wants. 

Also, there is a constant confusion between PSLF and TEPSLF. Having to apply for PSLF and be turned down and then request to be considered for TEPSLF has caused considerable confusion as to the actual number of my payment count. 

Furthermore, no one at any loan servicing agency ( XXXX XXXX XXXX or XXXX ) ever told me about PSLF or that I was on the wrong payment planand that I could switch to an IDR, let alone told me that making reduced payments and/or a forbearance would impact my payment count.Nothing they told me absolutely nothing and advised me to make an adverse decision about my loans rather than a very positive one.I learned about the PSLF program from a colleague at school in the summer of 2014. That means the program was in existence for 7 years and no one at my loan servicing agencies ever mentioned it. I began dealing with FedLoan Servicing after having my loans transferred there in the fall of 2014 so I could participate in the PSLF program. 

Currently, I am still waiting for the most recent TEPSLF count as I am once again under a lengthy review. I have also asked my Congressional Representative, XXXX XXXX, and the XXXX XXXX XXXX XXXX XXXX to intercede in my case. Representative XXXX has opened an inquiry into the case and the XXXX XXXX XXXX XXXX XXXX is waiting on FedLoan to receive some mystery documents from XXXX before they do anything. I do not expect much from them as they are an arm of the agency causing the issues.
Product: Mortgage

XXXX XXXX then CEO of XXXX XXXX XXXX part of RBS entered into a fraudulent mortgage scheme with XXXX and XXXX XXXX to defraud me of {$2.00} XXXX and my home. He bought 30 % of XXXX XXXX in XX/XX/2005 XXXX XXXX made {$60.00} XXXX on this and other fraudulent mortgages. 

XXXX made an agreement with the NY AG and the DOJ to pay retribution on these fraudulent mortgages XXXX but I have not received XXXX cent even though my mortgage is on the list. 

How he did this is explained in the book 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' by XXXX XXXX et al at XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

My credit limit was {$3200.00} and its showing much more than that which is incorrect. I get paid once a month and my payment should reflect that as which was stated when I applied for the loan. Ive sent numerous emails and spoke with many representatives and added the multiple paystubs for the past three months and this circumstance is still UNRESOLVED on your end. 

It was my understanding as applying for the loan I would be making one payment according to the Line of Credit Utilized ( {$3200.00} ). 
Im unhappy with the lack of follow through on your companys end and no timely response to fix this mistake of a loan and how its being handled. A ) One Payment Date : End of Month ( I GET PAID ONCE A MONTH ON THE LAST DAY OF THE MONTH - as specified in my loan application ) B ) MY LINE OF CREDIT SHOULD BE {$3200.00} NOT {$3600.00}. 

Since this has not been rectified on your end after calling and many email threads Im left with no option. Therefore, Im contacting the XXXX XXXX XXXX, Federal Trade Commission, Federal Reserve Consumer Help, Consumer Affairs, and Washington State Department of Financial Institution to forward my complaint about XXXX XXXX XXXX XXXX, the parent company of NetCredit and the XXXX XXXX and XXXX XXXX. 

I hope there is an immediate resolution. My banking records with XXXX XXXX shows the exact deposits which are {$3200.00} for the XXXX. Im also aware that Netcredit is violating my home state 's usury cap of 12 percent, which applies to all consumer loans except those made by licensed finance companies, car-title lenders, payday lenders, credit card firms and banks. Net Credit HAS NO WASHINGTON STATE LICENSES. This is a major concern and violation. I would hope my payments would reflect THE LEGAL Stipulations from my State. As it seems your business practices on Loan Terms IS NOT VALID. I will pay my obligation once your company addresses my concerns and updates the Legal Payment according to the 12 % Usury Law of the State of Washington. Your Company is a Predatory Lending Company that is Charging Unforseen/Hidden Fees and Outrageous Triple Digit Interest to people who are struggling!!!
Product: Debt collection

To ZuntaFi Payment Center XXXX XXXX XXXX XXXX, SD XXXX XX/XX/year> To Whom This XXXX Concern, I, XXXX XXXX XXXX have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX XXXX
Product: Debt collection

My wallet was stolen and my identity was stolen I didnt get a car with GM Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. Earlier in XXXX I contacted XXXX, transunion and XXXX regarding these accounts. I have also called these companies where the fraud happen and they could not verify my information. None of these accounts are related to any transaction done by myself. I have attached the FTC and my drivers license.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # : XXXX Balance : {$6600.00} I have filed complaints with FTC, Credit Bureau and Creditor and this information is still reporting on my credit file. According to Section 605B of the Fair Credit Reporting Act, I needed to provide proof of my identity ( I did ), the specific information that is a result of identity theft ( I did ) and a copy of the complete and submitted Identity Theft Report ( I did ). 
XXXX, XXXX and Transunion have not corrected their reporting of this information.
Product: Debt collection

I ordered XXXX cable/internet service in XXXX 2013 for my apartment. I cancelled service and returned all equipment in less than XXXX days, and have been told on multiple occasions by XXXX representatives that I did not owe any money because of their " 30-day money-back guarantee ''. I received several bills afterward and have been harassed by debt collection agencies ( multiple phone calls a day ) for the past two years regarding a ~ {$200.00} debt I do not owe. Every time I reach out to XXXX they confirm that they see on my account that my equipment was returned in under XXXX days and I should not have been billed. They also continue to promise me that they would clear my account, yet the harassment continues. I have wasted countless hours dealing with this issue for the past two years.
Product: Credit card

My XXXX account was closed XX/XX/XXXX ( see attachments ) and XXXX had no authority to charge anything to my credit card. In fact they memorialized the fact that it was closed in the email attached. 
Regardless US Bank allowed them to make XXXX charges without my consent and refused to investigate my request to charge them back XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX They never should of allowed these items to be charged to my account and want the monies refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I sent a letter regarding inaccurate and unknown thing on my credit report. To this day over 30 days later I have not received a response yet. i feel like im being taken advantage of and being ignored of my dispute. Section 611 it is pliantly stated that a failure to investigate these items within 30 days gives a so they should be deleted promptly. i demand these accounts be deleted immediate or i will for ligation due to the stress you caused me. 

The credit bureaus also violated 15 USC 1681 sectoin 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigation before the period under section 611 Tracking # XXXX Tracking # XXXX Tracking # XXXX
Product: Debt collection

Penn Credit Corporation sent me a letter dated XX/XX/2022 which I received in my mailbox days later in mailbox regarding a debt and I mailed a dispute letter requested dispute of debt on XX/XX/2022 and requested a validation of the debt which I kept copies. In their letter on XX/XX/2022 they said I could dispute by XX/XX/2022. If you do not dispute we assume the debt is correct. I wrote in letter if they did not send me a validation letter according to the Fair Debt Act it should be removed from credit report. I also mailed a certified letter and received a green return signature card after they received it. They had 30 days to send me letter of validation of information requested and did not receive anything with that 30 days. Then they sent another letter on XX/XX/2022 ignoring my letter of validation asking me to pay the debt. Failure to do so they stated in letter will lead us that I had no intention to pay the debt. They still did not send a validation letter at all. You are not supposed to send letters about payment until a dispute is done. Today, XX/XX/2022 in my informed delivery of USPS mail which I have copies they sent me a letter saying they verified debt with me which they did not and never sent me info. Just received a letter today on XX/XX/2022 and letter was stamped and mailed on XX/XX/2022 from Postal Service. Stated they verified information with me on XX/XX/2022. By law I had a right to validation and they must send a validation letter thats requested within 30 days after dispute. This is a lie. They never did within that time. I have copies of everything. I want this debt collector information and debt removed from all my credit reports. They are not going by the law of Fair Debt to consumer.