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

I am writing to formally request the immediate blocking and deletion of an unauthorized inquiry on my credit report. I have been a victim of identity theft, which has resulted in unauthorized activity on my report. Under the guidelines of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of any entries associated with fraud. 
The inquiry in question is as follows : XXXX XXXX XXXX o Inquiry Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following items on my credit report. The accounts and transactions in question were opened and executed by an unauthorized individual, not by me. I did not authorize, use, or benefit from these accounts or transactions in any way. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Disputing errors on credit report Dear XXXX XXXX XXXXXXXX I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : The report shows the above customer currently owes {$37.00} to your company. Be advised this account was resolved with full payment and closed at its initial date of delinquency, reflecting that the account was closed before said date. The card was deactivated once the account was paid in full and closed by me, the account holder, and XXXX XXXX XXXX. Please urgently remove this from my account. Thank you in advance.

Dispute Legal I request immediate action to remove this information under 18 U.S. Code 35, imparting or conveying false information against a person or entity. Please remove this as soon as possible. Thank you again.
Product: Credit reporting or other personal consumer reports

Smoke to all XXXX credit beauras stating that the inquires on credit report where not authorized. Citied " per the FCRA, unverified and unauthorized items must be removed. 

Per Equifax, XXXX after submission they state that the information is accurate per there investigation. 

Per XXXX, simple process to remove after investigation. 

Per XXXX, file complaint with
Product: Student loan

To Whom It May Concern : This letter is being sent to you in response to a credit item that is listed on my XXXX XXXX consumer disclosure sent to me on XX/XX/2023. This notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), and debt validation is requested. See Attachment This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have every had any student loans serviced by your company.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, legal action has or will be brought against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal option. Any listing of any information to a credit reporting repository that could be inaccurate or invalidated should be immediately removed. If your office fails to respond to this debt validation request, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX Student Loan # XXXX
Product: Debt collection

I got a phone call this morning and at dinner time from number that's called in the past claiming to be creditor collecting a debt. 
I didn't pick up phone and didn't leave a voicemail. They haven't called in a few weeks after selling debt to another company for consolidation and make smaller payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the 2017 Equifax Data Hack. Ever since then, for the last two years I have been trying my hardest to get incorrect information removed from all of my credit reports. Equifax is reporting several things including Address Info ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) these are unknown. The also continue to report the same debt that I just had to complain about XXXX for ( They continue to report debts that they have not verified. THE XXXX XXXX XXXX - {$1000.00} ) in the month due to their inability to report correct info I have been denied the right to fair housing consideration and credit opportunities. They continue to re report these addresses and debts that they have not verified or validated. I have repeatedly disputed it with Equifax and they continue to allow them to re report this info even after the hack with WITHOUT PROPER VALIDATION OR VERIFICATION.
Product: Debt collection

Creditor- CREDIT ACCEPTANCE CORP After vehicle was sold to me and later found out that it was a bad deal because vehicle could not drive shortly after getting it, Creditor told me that they were write off the loan. A few month later the loan showed on credit report as charged off that hurt my credit score. Years later on XX/XX/XXXX my score dropped 114 points, when i checked report it said that Credit Acceptance Corp, change the remarks on my credit and started reporting the account from charged to 30 days late. the loan was opened XX/XX/XXXX. Credit report shows 32 charge off status reported. 

Creditor is reporting inaccurately on my report that is hurting my credit. Account went from reporting 32 charge off payment status to reporting 30 days late on XX/XX/XXXX. 

I would like this to be reviewed and or reported correctly/deleted.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 - I sent an international transfer of {$1000.00} through XXXX website to XXXX to a family friend to cover unexpected medical expenses and in the reference field i had written " from XXXX ''. 
XX/XX/XXXX and XXXX of 2022 - I received an email from XXXX asking for additional information : A detailed purpose for this transfer ; my relationship with the recipient ; and what. " XXXX '' refers to the reference field. 
XX/XX/2022 - I answered the questions and in particular disclosed that XXXX is my wife. 
XX/XX/2022 - I received an email from XXXX asking for Full name, date of birth ( dd/mm/yyyy ) and place of birth of my wife XXXX XX/XX/2022 XXXX I called Wise support to find out why Wise needs my wife 's personal information. XXXX answer was that this is a regulatory requirement. 
XX/XX/2022 - XXXX wrote and said that they will reject the payment if they don't have my wife 's personal data. 
XX/XX/2022 - I replied and mentioned that the fund was already in the recipient account and that it was withdrawn and inquired as to what would happen if I go the route of cancelling the transaction. I also asked for the following information : May I please know which regulatory body is requesting this information. Is this a US regulatory request or is it the XXXX  governing request? Can I please get the text of the regulation where it states that information related to relatives of the sender of the transaction is required? May I also please know what constitutes the " detailed purpose of this transaction ''? 
XX/XX/XXXX XXXX I received an email from XXXX XXXX again with a boilerplate template answer that they need the information due to regulatory requirements and they just sent me a link to the user agreement. XXXX failed to answer any of my questions specifically as to why XXXX was requesting my wife 's personal data. Furthermore, XXXX threatened to close my account. 
XX/XX/XXXX XXXX I replied to XXXX XXXX the information they requested. Since I had done business with XXXX for many years and had all my contacts established in application, I did not want my account to be closed by XXXX. I was hence forced to give up my wife 's personal data. I requested XXXX for the contact information of someone in the chain of management and corporate office address to escalate my grievance. 
XX/XX/XXXX XXXX I received a message from XXXX XXXX that the matter is resolved. XXXX however again failed to provide any specifics as to why they required my wife 's personal data except by providing the same generic answer that they under regulatory requirements to do. XXXX did not provide me with the regulatory statute enabling them to cast such a wide net of collecting personal information of relatives of an account holder. XXXX did not provide me any escalation point for this matter ( i.e. someone in management chain or corporate office contact )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an error. It does not belong to me. XXXX XXXX XXXX Closed : XXXX XXXX, 2017 I promise it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of they are violating the Fair Credit Reporting Act. Please delete or remove any late payments from both XXXX XXXX XXXX account credit cards from my credit report According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission. According to 15 USC 1681 I have the right to privacy. According to USC 15 USC 1681s-2 A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. I can go on and on, the credit bureaus have no respect for the laws and this is unfair. Someone needs to hold them accountable for this. I have sent multiple certified letters to credit bureaus with no response. XXXX XXXXXXXX XXXX  card continues to violate the law by posting incorrect information on my credit report. I have already spoke with XXXX XXXX XXXX on multiple occasions and they continue to tell me that this will get resolved and it has not been.
Product: Credit card

My wife and I purchased furniture at XXXX in XXXX with terms of 0 % financing with minimum payment until XXXX under Wells Fargo Bank. These terms were applied to half of our purchase and the other part of the purchase was changed to 0 % finance for 12 months. When I noted in XXXX that we were charged extensive finance charges on part of purchase, I was told by both the merchant and Wells Fargo Bank that there was nothing that could be done unless I could prove the terms of financing. At that time, I could not find my paperwork. This hurt our credit score and due to the finance charges also made it difficult to make such a high payment. When we were cleaning out our home for purchase, I found the original paperwork from XXXX stating the terms as agreed of 0 % financing until XXXX for the entire purchase. I contacted XXXX and provided them a copy of the paperwork on XXXX/XXXX/XXXX, and I was told that it was all taken care of on XXXX/XXXX/XXXX by the manager at XXXX, and it would show up in XXXX to XXXX billing cycles. I waited for approximately 6 weeks, and it still had n't shown up. I contacted the manager at XXXX and was told that someone dropped the ball, and that it would be taken care of. I then filled a dispute with Wells Fargo Bank. I provided Wells Fargo Bank a copy of the original paperwork showing that the wrong terms were applied on XXXX XXXX. I also told Wells Fargo Bank that resolving this issue was critical as we were purchasing a new home, and would not be able to acquire funding with an open dispute. I was told that they had up to 90 days to research this matter. I continually followed up with Wells Fargo Bank including my last call on XXXX/XXXX/XXXX. My account is noted all the way through that the expedition of this research is needed due to the pending home loan. I was told that there was no way to expedite as they handle claims as they come in, and that they have up to 90 days to take care. Supervisors of the credit center have sent multiple emails to the billing department for an update on the status, and they have failed to respond. I indicated that they had caused my husband and I financial hardship by the bait and switch of finance terms, and now they have placed our home loan in jeopardy due to the open dispute status. I requested under the Fair Credit Reporting Act that this account be removed from my husband and my account until it is resolved since it took longer than 30 days. I was told that was impossible. At this time, we are not able to receive the home loan due to the open dispute status. We have now been caused further financial hardship/damage due to Wells Fargo Banks actions. We have lost both money from the home inspection and appraisal, and we are currently living in a XXXX with our entire family as we could not go forward with purchase, and our home was sold.
Product: Debt collection

XX/XX/year> {$410.00} Request for Debt Validation Pursuant to IS USC 1692g Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating your claim is disputed and validation is requested. credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character :
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts on my credit report resulting from identity theft. As a victim of a data breach, the following entries were not authorized by me and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To support my dispute, I have included the following documents : 1. A copy of my government-issued photo ID 2. Proof of my current address ( e.g., utility bill ) 3. A completed Federal Trade Commission ( FTC ) Identity Theft Report
Product: Debt collection

I have paid this debt and they continue to report false information on my credit report. Defaming my character and causing me a hard time trying to get credit beCause of this false statement
Product: Debt collection

The debt was paid directly to the hospital around the time the collection agency reported it. I have contacted them several times and sent several faxes with the receipt showing it was paid online. They then sent me over to another company who has refused to return my phone calls. One of their agents hung up on me and told me the other company is not handling the case that they are. Whenever I call either company they say it is up for review review means that they 're checking to see if the documentation was received. The documentation was facts almost two months ago and I have confirmations from the sent fax. Whenever I contact them they give me several phone numbers but no one has contacted me back. I 've also fax to several different numbers that they gave me for their company and also the other company that it 's supposedly handling the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to XXXX through XXXX and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that XXXX should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in chexsystems or any other credit report file, randomly for no cause. XXXX deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. XXXX has had 4 years to work on this issue and should have declined the bank 's faulty objection in 2017. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.
Product: Credit reporting

This consumer : 1. Attempted to login to his Transunion account to review status. 2. Login, and or, password was not recognized. Consequently, this consumer is routed to a page asking what is the consumer 's high school mascot name and what is his email. I provide the right information. However, it kicks back as wrong. 3. I am routed to an off-shore XXXX XXXX XXXX number. 4. I call that number. The Transunion representative can not access my information. and suggests I email my state or federal I.D . I email my state I.D . 5. I call back. This time, the Transunion representative states that my only option is to go to XXXX. I explain that under XXXX and state consumer protection law, Transunion is obligated to do much more than that. 5. I am switched to a supervisor who says that Transunion is not even obligated to do for this consumer what was already stated in previous conversations. So, erroneous information remains on the Transunion report for this consumer. This consumer is left with no material way to correct or mitigate this problem. I and millions of American consumers are adversely impacted by the conduct of information barons like Transunion. Credit reports impact an American consumer 's ability to get a job or housing. Transunion can hurt families in this regard. Currently, it appears that I have identity theft and a false record issues with Transunion. I have collections that are not mine. I have access or profile information that is not correct. Transunion is refusing to make resolution possible or easy.
Product: Debt collection

The debt was sold to a collection agency, portfolio recovery, that I do not have a contract with. I have disputed the debt numerous times and still they attempt to collect from me. I am asking this be removed from all 3 credit bureaus and my credit file be updated as such
Product: Student loan

My understanding is that loan servicers were forbidden from applying borrower defense refunds to loans ( Outstanding Principle Balance OPB ) for other schools or loans that were also in a separate borrower defense case.

So I have the following questions : 1. Shouldnt my refunds from ITT borrower defense case 1 have been sent to me directly and not applied to my outstanding principle balance for XXXX loans in borrower defense case 2?

2. What action do I need to take and who do I take it with?

3. If my borrower defense case for XXXX is eventually approved, but that balance has been discharged under the XXXX forgiveness, will I still receive a retro-active refund of money that I paid on those loans, including the refund payments that were applied to them? 

I was considered a class member of the XXXX case for my XXXX borrower defense application. 
I applied for borrower defense for my XXXX loans on XX/XX/XXXX. 
I received notification on XX/XX/XXXX, from the Department of Education, that my application was approved. 
My studentaid data history shows that XXXX applied XXXX XXXX related refunds to my OPB for my remaining XXXX balance, rather than issue a refund directly to me. This is what I see : o Refund 1 : Loan Disbursement Amount : {$23000.00} Aid Recipient 's Loan Discharge Type Code : XXXXXXXX XXXX Recipient 's Loan Discharge Type Code Description : XXXX XXXX XXXX XXXX 's Loan Discharge XXXX Amount of Discharge : {$8400.00} Amount of Discharge Applied to OPB : {$8400.00} Amount of Discharge Applied to XXXX : {$0.00} o Refund XXXX : Loan Disbursement Amount : {$11000.00} Aid Recipient 's Loan Discharge Type Code : XXXX Aid Recipient 's Loan Discharge Type Code Description : Borrower Defense XXXX XXXX XXXX XXXX Discharge XXXX Amount of Discharge : {$4700.00} Amount of Discharge Applied to OPB : {$4700.00} Amount of Discharge Applied to XXXX : {$0.00} I applied for borrower defense for my XXXX loans on XX/XX/XXXX. 
I was considered a post-class member of the case for my second borrower defense application. 
I have been told that the Dept. of Edu. has until XXXX to respond to this second application. If they do not, the loans would be automatically XXXX. 

I received notification on XX/XX/XXXX, from the Department of Education, that I received a full discharge of my remaining balances for XXXX  because I was paying on an XXXX plan for XXXX  years. But the second borrower defense case is still pending. 

I sent multiple inquiries about this on the studentaid.gov website which received no response. 

I created a dispute case with the Department of Education. I received an email from XXXX  XXXX XXXX on XX/XX/XXXX stating that they were working on the case. I emailed requesting a status update on XX/XX/XXXX which went unanswered. I sent another email requesting an update again today.
Product: Debt collection

I have been receiving up to two calls a day from Portfolio Recovery Services. The numbers are automatically blocked by XXXX. The company does not call back through the XXXX response process and when I call the number to ask them to stop calling, I am asked to provide either my social security number or an account number. I won't provide my social security number and I don't have an account. I have checked my credit report and my husbands and there are no debts reported. I haven't received any written communication from this company.
Product: Credit reporting or other personal consumer reports

I have multiple credit inquiries on my credit report that took place on the same day and those inquires should not be on there. The following inquiries would need to be deleted from my report as I do not have any credit with these companies : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Bank ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX  + Auto Financing ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Sales Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX + Auto Financing ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Auto Financing XXXX XXXX Inquiry : XXXX XXXX XXXX + Auto Financing XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Automobile Dealers, New ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX + Sales Financing