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

The credit bureaus are continuing to report inaccurate information on my credit reports. The student loans from DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXXXXXX U S DPT OF ED/XXXX XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF XXXX XXXX, U S DPT OF EDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX DPT EDXXXX XXXX, DPT EDXXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX XXXX DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX are reporting opened when these accounts are closed. 

This has caused so much damage to my credit reports and has hindered me from getting approvals. I have disputed these accounts with the credit bureaus XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 AND XX/XX/2022 and they have not conducted a proper investigation. 

Because it is no way that DP OF EDUC, U S DEPT OF ED/XXXX, US DEPT ED, DPT EDXXXX, DOE XXXX would have verified that these accounts are opened when they are closed. 

I am demanding that the following accounts DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX , US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX DPT EDXXXX XXXX, DPT EDXXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX XXXX DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX be deleted from my reports asap due to numerous violations of the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX, account # 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report : XX/XX/year> XXXXXXXX XXXX XXXX I did not authorize XXXX XXXX XXXX  ( XXXX ) to access my credit report on this date. Under the Fair Credit Reporting Act ( FCRA ) 1681b, consumer credit reports may only be accessed with explicit permission. Since I did not consent to this inquiry, I request immediate action to correct this issue.

Requested Actions : Investigate the unauthorized inquiry. 
Provide verification, including signed documentation proving I authorized this inquiry. 
Remove the inquiry if no valid authorization exists. 
Ensure my personal information is removed from XXXX 's records related to this unauthorized inquiry. 
Provide written confirmation of the resolution and actions taken. 
To assist in verifying my identity, I have enclosed copies of my identification and proof of address. Please confirm receipt of this dispute and provide an update on the resolution process at your earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

I constantly dispute this item XXXX XXXX XXXX FROM MY CREDIT REPORT AND THEY ARE JUST VERIFYING AND UPDATE THE ACCOUNT AND I DONT HAVE ANY BUSINESS WITH THE COLLECTION REPORTING. 


I never had a contract with this debt collector for any debt.Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

This item is going to cause me homelessness in trying to move and I cant due to false reporting Equifax dispute XXXX XXXX report XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collection Accounts From XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX Dear Sir/Madam, I am writing to formally dispute the existence of a collection account under my name, as reported by your agency. The account in question is identified by the account number XXXX XXXX XXXX XXXX I believe that this collection is illegal and should be removed from my credit report due to several reasons, including but not limited to the fact that it pertains to a past due balance. 

I have several concerns regarding this collection account : 1. Lack of Verification : I have not received any valid verification or validation of this debt from your agency, despite my previous requests. Under the Fair Debt Collection Practices Act ( FDCPA ), it is your legal obligation to provide verification of the debt when requested. To date, I have not received any such validation.

2. Reporting Inaccuracies : I have noticed inaccuracies in the reporting of this collection account on my credit report. These inaccuracies have a negative impact on my creditworthiness and may violate the Fair Credit Reporting Act ( FCRA ).

3. Statute of Limitations : I am aware that the statute of limitations for collecting this type of debt has expired, making any collection efforts unlawful. It is essential that your agency adheres to the legal limitations when attempting to collect a debt.

4. Failure to Provide Proof of Ownership : Your agency has not provided any evidence demonstrating that you are the rightful owner of this alleged debt. As per the FDCPA, I have the right to request proof of ownership. 

I kindly request that you conduct a thorough investigation into the validity of this debt and provide me with all necessary documentation, including the original debt agreement, proof of ownership, and a clear breakdown of the alleged debt. I also ask for the immediate removal of this collection account from my credit report while this dispute is being investigated. 

Failure to comply with the above requests will compel me to take further legal action to protect my rights and rectify this situation. I understand the importance of resolving this matter promptly and am willing to cooperate with your agency to facilitate a swift resolution. 

Please consider this letter as my formal dispute and request for the removal of the collection account. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX XXXX Enclosed : are supporting documents
Product: Debt collection

XXXX XXXX XXXX XXXX sent me several notices regarding {$85.00} unpaid parking tickets. They are a private company who say they can charge for parking at downtown parking areas. There is no clear signage that these areas charge for parking nor any indication that the spaces are not free parking spaces. They then send {$85.00} parking tickets and demand if not paid, they will turn you over to a collection agency and report to credit bureaus. I tried numerous times to contact the company and you can't get in touch with anyone via phone, email or mail. The phone calls are never returned and the emails have automated responses. This is a complete scam. I then received a letter from Oxygen XL debt collector threatening to " use any information '' to help collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized Inquiries on my Equifax Credit Report that I did not due or Authorize. By law due FDCPA the Credit Bureau needs to Delete them. I've contacted Equifax spoke to several Supervisors and they said it would be deleted within 72 hours. Please provide me with Physical Documentation that shows I authorized these or I will be filing a Civil Lawsuit against Equifax & the CEO. I am a Victim of Identity Theft & the Equifax Breach. 

Please Delete the Following Credit Inquiries : XXXX  XXXX-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Student loan

My student loans are over paid and I am awaiting a refund that never seems to exist
Product: Credit card or prepaid card

I received the California XXXX XXXX XXXX Relief on XXXX thru a Visa Debit card issued by Money Network XXXX XXXX. I activated the card on XXXX by registering with Money Network Financial LLC. On the XXXX I was denied a transaction at a local store for XXXX Funds, at that point in time I should have had approximately {$850.00} in the account, so I took a look at my account history and that is when I discovered the unauthorized ATM withdrawals ( XXXX for {$500.00} and XXXX for {$200.00} plus two separate {$1.00} service fees ) the first one in XXXX XXXX. and the second one in XXXX XXXX. So, I started to look at this situation and I noticed that on XXXX I made a purchase at a grocery store in XXXXXXXX XXXX for the amount of {$67.00} @ XXXX and at XXXX the unauthorized ATM withdrawal was made, that is XXXX  minutes and XXXX seconds between transactions, that is physically impossible to do nobody can drive from the grocery store put your groceries in the car and drive to the XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX min and XXXX sec. I drove the XXXX routes and best I could do was XXXX minutes XXXX seconds and customer service told me that the unauthorized transaction was at XXXX XXXX XXXX XXXX XXXX XXXXnd for the {$200.00} unauthorized ATM withdrawal it shows it was made in XXXX XXXX. I have not been to XXXX XXXX in over 4 months. The Debit card has not left my possession ever. I have communicated with Money Network customer service over 16 times by telephone 2 by Priority Mail XXXX and 6 separate emails, customer service has hung up the phone on me 3 times put on hold for hours on end. When I called on XXXX Money Network customer service said the case was closed but they couldn't tell me anything else and to call back in 3 or 4 days, I called Money Network on XXXX the case was denied because the pin was used and there was not any money dispensed. That was never claimed as the problem to start with, I don't know where they came up with that. I asked for a copy of the material that was used in the investigation and an appeal form, I was told they didn't have to do any of that. I just want my money back. {$700.00} I was looking over the contract between XXXX. XXXX XXXX XXXX and Money Network LLC. and it's easy reading and in my opinion Money Network is not being fair to the consumer on error resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer of the United States, I sent Trans Union a formal complaint on XX/XX/21 about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on several accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX, XXXX XXXX .They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. As mentioned above a copy of a billing statement is not physical verification. The two companies I just mentioned that pay for services from a provider such as Trans Union have not furnished me any sort of documentation within the allotted time frame ( 30 days from XX/XX/21 ) at all. Delete this negative information from my consumer report. STOP using stall tactics. YOU KEEP CHOOSING TO BREAK THE LAW. Your time has been up by law and you have to delete these fraudulent negative items from my report that you should of been deleted in the middle/end of XXXX. YOUR LATEST RESPONSE FROM XX/XX/21 IS NOT ACCEPTABLE AT ALL. You stated that my complaint includes a dispute of information appearing on my report. Your 100 % correct, it does which is why I sent in letters in XXXX. You had 30 days to gather any information regarding the validity of these negative, fraudulent, erroneous items and you as well as the two companies have not sent me any valid proof bearing my signature. Stop using stall tactics. How dare you state you will have someone from consumer relations enter in a dispute and then well wait to see what happens in 30 days. NO that is not acceptable, you had your time for your investigation and Im sick and tired of Trans Union reporting incorrect, negative, erroneous, fraudulent information on my report. DELETE THESE NEGATIVE ITEMS OF MY REPORT IMMEDIATELY. Your 30 day window been expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, you indicate in your response to report XXXX that " we are unable to honor your request or portion of it based on the limited amount of information. ( attached ) Let me clarify this for you. The " XXXX DDA '' fake XXXX XXXX Account application pull found on my credit report, as in the only " XXXX DDA '' pull which is dated XX/XX/21, please forward the individual 's name that submitted this fake application to you as well as all the information that you gave them. Also, you indicate in previous correspondence that you deleted the " XXXX DDA '' pull, please provide an explanation as I did not request this. 

ID attached as you requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, it is my right to privacy.

Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties. 

Per the XXXX XXXX XXXX of 1974 educational institutions are not allowed to share our information. My student loan information is private. 

I have been denied credit and been humiliated for years due to my nonpublic financial information being reported.
Product: Prepaid card

I purchased a prepaid MasterCard and when I went to use the card, it was declined. I called the number on the card and was asked to fax my receipt in and a new card would be issued. It has been 3 months and several phone calls later and still have n't received the new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This ( XXXX XXXX XXXX acct. # XXXX XXXX XXXX ) was and is a disputed bill, not a contract default, late payments or a write off. It took them months ( from XX/XX/XXXX to XX/XX/2020 ) to notify me of the ( lease return amount ) and when they did they sent me a bill ( attached ) with what is described on THEIR letter as a settlement offer. as you can see by the letter from XXXX and my canceled check for the amount THEY proposed to me. The letter stated they would consider it paid in full. 
Why are credit agencies helping them harass me and destroy my credit rating ( so far a full year ) what is going on? 
I am requesting a full investigation on how this is possible? Under what law they are allowed to do this? 
I am requesting restoring my credit standing by removing incorrect, false and harassing information by XXXX XXXX XXXX. 
I am willing take any and all legal means at my disposal to defend, restore and protect my ( prior ) excellent credit history. 
Request speedy resolution and corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a forbearance due to COVID-19. XXXX XXXX   reported to all three credit bureaus the three months forbearance as late payments instead of affected by natural disaster. 
Ive tried disputing four times and Ive called corporate office and customer service more than ten times and the issues has still NOT been resolved. 

Please help!
Product: Credit reporting or other personal consumer reports

Simply put, the accounts listed herein were not authorized by me, the consumer, to be reported to my consumer credit files, violating the Fair Credit Reporting Act. As this is my surety report, I control what is listed on my consumer credit reports and am hereby demanding the immediate removal of the accounts listed herein. I am NOT requesting validation or verification. I am demanding a removal of the following accounts based on violations committed by you according to the FCRA. According to the Supremacy Clause, when its in the best interest of the consumer and where there is conflict, federal law and the Constitution will take precedence over State law, and company law. According to 15 U.S. Code 1681 ( a ), you are hereby in violation of my right to privacy and information I demand be private and blocked and your reporting of these accounts is a direct violation of the permissible purpose section under the FCRA. The reporting of these accounts are not accurate and therefore must be removed. It is unverifiable due to my refusal to give you consent to communicate with other parties on this account without my consent as this is inaccurate. TAKE NOTICE THAT YOU ARE IN VIOLATION OF 15 U.S. CODE 1861C-2 IF YOU FAIL TO REMOVE THE LISTED ACCOUNTS AS REQUIRED AND MANDATED BY LAW. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, about the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I did not provide you with a permissible purpose to report any of these accounts which is a violation of 15 U.S. Code 1681b ( 2 ). I have provided you with proof of identification, a copy of the required identity theft report, a list of the accounts along with a statement advising that none of those accounts were transactions authorized by me, the federally protected consumer.
Product: Debt collection

Synchrony bank, has been harassing me over a charge on a credit card that was not made by me.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year> XXXX
Product: Mortgage

My Name is XXXX XXXX. 
I purchased our home in 2015. Plaza Mortgage is our mortgage company. We closed in XXXX. I have experienced a loss of income at my job on the radio. And it was reduced by half. I contacted the mortgage company, and they took my information. I did n't hear from them for Months ; meanwhile, I was delinquent on my mortgage. They send me a modification requesting payments that are HIGHER than what my original payment is. 
I sought out an expert, and he assisted in submitting documentation. The bank insists that they have n't received documentation however we have proof they do. Since then we have found out the foundation of the property is crumbling and have communicated this to the bank. They requested additional information for my non-borrower contributing to the property, and when we call in for the status, they refuse to speak to any of us. 
Also we received letters from their attorney with a motion proceed with the forclosure.
Product: Mortgage

Flagstar bank applied the wrong escrow amount to my account, which ballooned my mortgage payment in XX/XX/2019. I had an automatic draft set up, so when I saw my payment increase by XXXX , I stopped payment. It was a XXXX $ charge to me due to me through my bank. After months of going back and forth with Flagstar that I didn't owe that amount in my escrow it was finally fixed, I had to call multiple times a day and endure people hanging up in my face and telling me that payment was correct. After four months, my payment amount was fixed, but I never received my XXXX $ back or a sorry for the treatment I received or stress due to not knowing if I would be able to pay the amount. In XXXX, a couple of managers told me that I would get my XXXX $ back and that the check was sent out, but I never got the payment, I believe they were telling me this to get me off the phone, and the check was never sent out. I called today on XXXX, and the person said they would have to open a new case after four months of waiting.
Product: Student loan

I have been paying my loans since 2006, I struggled at first as I was just out of school.I did what I could and was into at least XXXX forbareneces, never once asked if I wanted to do income based payments. Now 10 years later I 'm still paying and for the last 5 years I have been over paying my loans to the point that they say I do n't have a payment due for 2 months. On top of it all the payment has shrunk. There is no definite due date and as I keep over paying the payment gets smaller. This is rediculus, I own a house and if I over pay I still have to make the same payment ever month. They are XXXX me and XXXX out of money cuz of the way they set up loans. No one will ever get out from under the debt.