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

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX from XXXX XXXX XXXX XXXX, Account # XXXX from XXXX XXXX XXXX XXXX, Account # XXXX from XXXX XXXX, Account # XXXX from XXXX DEPARTMENT STORE, Account # XXXX from XXXX XXXX XXXX, Account # XXXX from XXXX XXXX  XXXX, Account # XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance XXXX {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX* Balance : {$7100.00} ; XXXX XXXX  XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX Balance : {$8700.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$400.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Mortgage

On XXXX XXXX, XXXX I received a past due letter from Loancare that they had not received my XXXX XXXX payment. I called them on XXXX XXXX, XXXX and explained to them that I payed the XXXX payment through XXXX XXXX on XXXX XXXX, XXXX and it was delivered to them on XXXX XXXX, XXXX in the amount of {$2300.00} with the status on my statement as paid. The woman that I spoke with put me on hold and returned to the call telling me that in fact they did receive the payment and it would be posted at mid-night that same day XXXX XXXX XXXX ). I asked her if I would recieve a 30 notice and she advised me that she did not know. I explained to her that I am in the middle of a refinance and I can not have a 30 on my credit. Especially since they did receive it on or around XXXX XXXX. On XXXX XXXX, XXXX, there was a message on my phone to call Loancare. I called them the morning of XXXX XXXX, XXXX and they stated that they did not receive my payment for XXXX. I informed them that I payed through XXXX XXXX on XXXX XXXX, in the amount of {$2300.00} and the payment was delivered on XXXX XXXX with the status paid. They told me that I needed to send them a copy of the statement showing it paid to XXXXXXXXXXXX. I sent the a copy on XXXX XXXX. I told them that I am in the middle of a refinance due to close early XXXX. I also told them that this has now happened two months in a row. I asked them if they are going to charge me a late fee for this in which they would not answer. I also asked them how long is this research going to take and they said 5 - 10 business days. I found out that I have accrued over {$600.00} in late fees from the time they took over the loan in XXXX. I do n't think that I owe this. I am very concerned about the fact they say they are n't receiving my payments. I have been paying the same way, through my bank since they took over the loan and there has NEVER been a problem until now. I find it interesting that this has occurred only recently as I have been in the process of refinance. I have copies of the bank statements and the letter received last month for the non payment. Please help. Thank you.
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding XXXX XXXX applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : 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 Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. Many, like myself, are not able to pay off these loans. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit card or prepaid card

The XXXX XXXXXXXX XXXX  XXXX XXXX with account number XXXX appears to be a charge-off account with a specific balance of {$740.00} The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX and XXXX XXXX. As per XXXX, the XXXX bureaus and the furnisher are to provide XXXX XXXX  accuracy and they are required to give responses and supply documents to confirm the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve issues with this company named XXXX XXXX reporting inaacurate information on my file. I hereby dispute this account on my file.
Product: Debt collection

The medical office charged {$300.00} for services one XXXX XXXX that were not provided by the physician. I disputed the charge when the bill was initially received in early XXXX with the physicians billing service and initial collection agency. I believed the matter to be settled, because I did not receive any additional communications from the physicians office or initial collection agency after mid XXXX, nor was anything placed on my credit report at that time. A new collection agency, Bay Area Receivables inherited the files after the initial collection agency went out of business and placed the item on my credit report in XX/XX/XXXX. I had not been contacted and only found out in XX/XX/XXXX, after I logged in to view my credit report.
Product: Student loan

Ed Financial Services reported {$650000.00} XXXX XXXX and XXXX XXXX dollars in student loans under my name. Some of these loans were transferred from the old servicer XXXX XXXX XXXX XXXX XXXX to Ed Financial. The resulting reporting dropped my credit score XXXX points. I am disputing the accounts and " reported inaccurately '' and " monthly payment obligation on account incorrect. '' The accounts should be listed " Account in Dispute '' and a remark should be placed on each student loan listed as ED Financial. 

There is student loan moratorium and ongoing litigation regarding student loan forgiveness. Student loans servicers should no longer be granted credit reporting access.. The Dept of Education should remove this granting authority. I do realize this has happened to other people when servicers change.
Product: Credit reporting

i contacted equifax to investigate XXXX collection account in my credit report that does n't belong to me : XXXX XXXX XXXX acc # XXXX XXXX XXXX XXXX XXXX XXXX acc # XXXX and XXXX/XXXX for XXXX XXXX XXXX # XXXX i requested documents and proof to validate the debt from the creditors several times and they respond was the inquire or was matter of record and i should contact them which i did and they still not provide me the proof to validate the debt knowing they are violating the FDCPA practices and rules and they wont re-open an investigation even if they never did since it is impossible to do it in the time frame they did XXXX DAYS!
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken.

Equifax Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX Incorrect Names | Incorrect Addresses | Incorrect Employment History | Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXXXXXX - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX Incorrect Names | Incorrect Addresses | Incorrect Employment History | Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX AV, XXXX, FL XXXX Employer XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXX  XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Employer - XXXX XXXX
Product: Credit reporting

A company furnishing date to Experian, did not comply with validation request. I provided what XXXX provided to me, which was just an itemized bill of a debt they were assigned that they are charging interest on. The company is not a licensed debt collector in Michigan, they provided no documentation that the debt was legally assigned to them, and provided no documentation that I signed anything allowing interest to be added or collection assigned.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violation personal information not mine
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

FCRA Violation credit cards not mine
XXXX XXXX XXXX XXXX 

FCRA Violation hard inquiries not mine 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

FCRA Violation collections not mine XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did a soft pull according to a website and it was reported as a hard injury. I tried to talk to XXXX XXXX and said go to XXXX XXXX  and they said they could not write a letter of deletion so I can send to alll XXXX credit bureaus.
Product: Checking or savings account

My account with Wells Fargo was overdrawn for {$100.00} and fees were assessed bringing the balance to XXXX. On on XX/XX/XXXX my account was closed by wells fargo and sent to XXXX XXXX XXXX for collections. I received a letter from the agency attempting to collect {$310.00}. On XX/XX/XXXX I called Wells Fargo to ask them to reduce the balance to the original overdrawn amount of {$100.00} due to my unemployment status ( please see supporting documents ). A Wells fargo representative agreed to reduce my balance only to {$250.00} and I was told they would communicate that with the collection agency. I made payment arrangements with the collection agency to pay {$50.00} bi-weekly begining XX/XX/XXXX. I have paid a total of {$150.00} in total and assessed new fees of XXXX from my new bank account where the agency is taking payment from because it 's also overdrawn due to my employment benefits being exhausted. I am going through a financial burden. It 's not fair that this matters was caused by losing my job. I am trying to do my best to take care of my obligations but I do not have the financial means to do so any further. I have paid a total of {$150.00} and my account was originally oaverdrawn for {$100.00} and raised to {$250.00} due to overdraft fees and later raised to {$310.00} by the collection agency. I have a daughter to take care of and no income. I would like assistance from the CFPB to help me resolve this matter. I tried to speak to the agency and they said they are not authorize to settle. I then called Wells Fargo and spoke to XXXX XXXX taking inbound calls who and explained my issue. She stated they would not be able to call the agency to reduce the balance because she only take inbound calls and that the agency should know what to do, but that she did show there was a settlement pending for {$250.00} on their side but that they never received payment from me. I told her that was because Wells Fargo sent it to XXXX XXXX XXXX and I 'm making my payments to them. She sated I would have to contact the agency and resolve it with them. The issue is that the agency is telling me to speak to Wells Fargo. At this point I feel like I 'm just going around in circles and getting no results. Just causing more burden.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and seen there was a charge off from your company. 

ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX Please provide proof of : XXXX ) The Original Contract with my wet signature applied to it XXXX ) The Creditor Information ( Name, address, and phone number ) XXXX ) The Payment History and the itemized billing associated with the account XXXX ) Proof that you XXXX XXXX XXXXXXXX XXXX XXXX XXXX are authorized to collect the debt from me. 

If proof is not provided delete this inaccuracy from my credit report immediately.
Product: Credit card

I recently started getting texts from text short code XXXX. The first text says its halsted financial, a debt collector regarding XXXX XXXX XXXX XXXX XXXX assignee of XXXX XXXX XXXX XXXX XXXX ) account. It provides a link in the text that LOOKS like it goes to XXXX. a number prrovided is XXXX, and california license number is XXXX. 

First, I do not have, nor have I ever had a mastercard of any type. Second, the only credit cards I have had have been through XXXX. Third I keep my cards up to date. Fourth, I have never been contacted via mail or email. Fifth my credit report which I check monthly shows no late payments much less CC collections. Sixth I have never received a phone call from them.Seventh a fourth company XXXX XXXX XXXX XXXX XXXX is mentioned- and I have never heard of any of the four mentioned companies. 

This is clearly a fraudulent attempt to collect a debt that I do not have, and indeed does not exist. I have lived at my address for nearly 10 years, and the basic XXXX checks required to run a credit card business would have caught this. 

I believe they are violating the FDCPA implying they will sue me, and implying they can report it to credit reporting agencies if I do not cooperate. I would note the companies mentioned are not consistent across texts ( All four are not mentioned every single time, another huge red flag ).

I want to make a direct complaint against the mentioned California License Number mentioned XXXX. I consider the messages unfair, abusive, and overtly harassing, spam, false, fraudulent, and deceptive. I believe this indicates they are committing a crime knowingly in the hopes that I ( and I am sure many others ) will just pay something to get them to go away. 

There is no world where I will pay even a single XXXX of a debt that does not exist, has never existed, does not show, has never shown, especially to a group of companies that I have never heard of with legal action ( which if ignored can always lead to things like jail time ), my credit, and frankly my peace of mind at stake. 

I would like to move forward on this, and cooperate with the authorities to prove this is fraud, and have the people responsible held accountable, financially and legally. I am happy to come to a local office and contact them on a line recorded by CFPB/state attorney general/FTC. I would note this company by my research crosses state lines, so this may well have federal as well as state implications. I go to great lengths to keep myself in good standing and above reproach, and I refuse to be intimidated, especially illegally and fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, ; XXXX XXXX ; XXXX XXXX ;
Product: Mortgage

I started with will XXXX " XXXX '' XXXX on XXXX/XXXX/2016 originally of XXXX XXXX XXXX on or about XXXX XXXX transferred to Waterstone Mortgage. During that time XXXX pulled my credit twice once while with XXXX and again when she went to Waterstone. During this process I asked them why did n't they do my rescore before and I was told because if they would have done that, they would have had to leave me with XXXX as their client and they did n't want to do me like that. So I continued to march forward with searching for a home and on XXXX XXXX I found my dream home for my son and I. Being a XXXX veteran and a single XXXX mother I was finally able to realize the XXXX dream so I thought. On XXXX XXXX I submitted my earnest money check, along with my option fee and my inspection fee. Per XXXX, we could close on XXXX the XXXX. On XXXX XXXX XXXX runs my credit again then on XXXX XXXX I receive an email from XXXX XXXX. I was a bit confused I reached out to XXXX but she was unavailable as usual and XXXX advise because my score dropped they had to send me to XXXX. I was furious to say the least. Yes it dropped you 've only pulled my report 3 times. So I still marched forward because XXXX reassured me there would be no problems and I could get financed with XXXX. Well they pull my report on XXXX XXXX for a fourth time. During this time XXXX has advised myself, my Agent and the Sellers Agent we are still good to go and we will close on XX/XX/XXXX. The time comes and goes and no XXXX. She 's avoiding phone calls and barely returning emails. So we push the date back to the XXXX. XXXX tell the seller Agent on XXXX XXXX we have a clear to close and her clients can go ahead and sign their documents Wednesday XX/XX/XXXX and I can complete mine on Thursday XX/XX/XXXX with a mobile notary. I was advised I could go ahead and do a final walk through on the XXXX. Upon my return from doing my final walk through I receive an email from XXXX advising I do not have the clear to close and we need to push it back another week. At this point we are 41 days into this process and I need answers so on XX/XX/XXXX I started making phone calls only to find out that XXXX has been untruthful through this entire process. On XX/XX/XXXX after speaking with XXXX XXXX of Waterstone Mortgage who told my Agent that we would not be able to close this week on XX/XX/XXXX or XX/XX/XXXX, but we could close the week of XXXX XXXX, 2016. I received a phone call from XXXX XXXX advising that XXXX chosen to deny me and she was unable to disclose why and they would send me a letter in the mail I 've yet to receive. After all the deceit, gross negligence, incompetence and failure to perform in a timely manner I 'm out of thousands of dollars. The seller 's kept my earnest monies due to a clause in the contract. I 'm confused as to why I 'm losing out on so much and this was out of my control. Had I and my agent known the truth, we would have cancelled this process within the 24 day time period allotted. But because XXXX continued to reassure all parties involved everything was going smoothly and I had a clear to close on 2 different occasions we kept marching forward.
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Unauthorized Hard Inquiries from My Credit Report I am writing to formally request an investigation into unauthorized hard inquiries appearing on my TransUnion credit report. Upon reviewing my report, I identified the following hard inquiries that I do not recognize and for which I did not authorize credit applications : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I believe these inquiries may have been made in error or without my consent, and they are negatively impacting my credit score. As such, I am requesting that these hard inquiries be removed from my credit report if they are determined to be unauthorized or unverifiable. 


I appreciate your prompt attention to this issue. Please provide me with updates on the status of my case and let me know if you require any further details from my side. 

Thank you for your assistance. 

Sincerely,