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

I am writing to dispute the following information that appears on my credit report from XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$610.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$450.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$740.00}. The original creditor is XXXX XXXX. 
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. 
XXXX account from CAINE & WEINER with account # XXXX and a balance of {$590.00}. The original creditor is XXXX. 
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. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX. 

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. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible.
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I currently have 4 separate student loans that I have been paying on for years with XXXX, navient, XXXX XXXX and XXXX XXXX XXXX, they are both federal and private, I am drowning in student loan debt, when I graduated 4 years ago with my XXXX in XXXX I owed approximately {$160000.00} in student loan debt, I have been paying approximately {$1000.00} a month since XX/XX/XXXX and my payments just went up again, meanwhile I still owe {$160000.00} in student loans, my balance does not appear to be going down but actually going up, I have other monthly expenses such as a mortgage, car, utilities etc that I am now having a hard time paying, I had to file a chapter XXXX back in XX/XX/XXXX, I work full time as a XXXX  and make a decent salary but these student loans are killing me and I can't get ahead, I was divorced recently so my filing status changed to single, I am on an income driven repayment plan with XXXX and when I submitted my renewal application with my new single filing status my payment went from {$270.00} a month to now {$370.00} a month starting in XX/XX/XXXX, my payment with XXXX XXXX XXXX just increased from {$470.00} a month to {$490.00} a month due to interest rate increase, XXXX XXXX increased from {$110.00} a month to {$110.00} from interest rate increase, and I am now waiting to see if my payment with navient of {$220.00} a month is going to increase as well, I have tried desperately to get these amounts lowered, but all 4 companies said there is nothing more they can do, I am ineligible for forbearance or deferment as I have exhausted all of that, my ex spouse is a cosigner on most of these loans and if something happens to me and I can't pay them, they will go after him. I need some help here, this is no way for a person who is educated and works so hard to throw money out the window to these lenders every month and not see a light at the end of the tunnel, XXXX said my loan would be forgiven in 25 years ... .in 25 years, I will be XXXX years old, these lenders only look at your income, they don't factor in your other monthly expenses, and they don't seem to care, even with a chapter XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ), I have the right to have accurate information on my credit reports. All three credit bureaus have inaccurate personal information on my credit report. I've attached my Driver 's ID and address.
Product: Debt collection

I have disputed the debt with ATG credit several times and requested from the company directly and the credit bureaus an original contract containing my signature. Neither ATG credit nor the credit bureaus have provided this. They are attempting to collect on an invalid debt and damaging my credit in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

the comapnys transunion XXXX XXXX are not providing the right information of my creidt my credit to me and there are items in these agencies on my credit report that are not mine and they continue to place negative items on my credit reports that are not mine and making my credit report worse and worse each time and they are decieving me and making my credit worse and worse by placeing incorrect and fraudulant items on my credit report and not removing the fraudulant and invalid incorrect items from my credit report and making my credit report and credit score go higher elevate my credit score and becuae of these neglagences my credit score has gone down and i am not able to use my credit to purchase home items and all necessary items from my living cars grocery food electronics etc.
Product: Mortgage

I submitted a complaint on XX/XX/XXXX about what I owe. Green tree responded and requested 60 days to respond. I called before my XXXX payment was due and asked if I am supposed to make payments while it is being investigated and the representative told me I am. I need clarification on this because according to the FTC and CFPB, Green tree is supposed to hault collecting payments until I have received a completed response. If that is so, why have my automatic payments still been drafted since complaining on XX/XX/XXXX? As, well, told by a Green tree rep that I still have to pay. Please let me know an answer and if my payments are supposed to be stopped because of that order, what does this mean in regards to my account and not being foreclosed if payments are n't received.
Product: Checking or savings account

In XXXX of XXXX I opened an online checking account with Credit Karma. on XX/XX/XXXX the bank sent me an email informing me that the company is unable to serve my financial needs, without providing any reasons behind its decision, and that the account is currently frozen and will be closed within 5 business days from the day the email was sent. 

Moreover, the bank added that any scheduled transactions will be canceled and that I will receive the remaining balance by mail or into a linked bank account shortly after the closure. 

Until today, I still haven't receive my money and I tried contacting the bank several times with no one being able to help or provide any information. It has been 2 months so far, and the account remains open and frozen and even when I request the account to be closed immediately, the bank refuses to honor my request due to the account being under review status.
Product: Debt collection

I have sent XXXX written request for Validation of Account, and Midland Credit Mangement has not provided me with the requested information, such as, signed contract, payment history, proof of ownership and all the requested documentation. Please see attached letters. This collection agency has placed this debt on my credit reports without validatiing the debt.
Product: Payday loan, title loan, or personal loan

I was struggling to make my payments in full as my wages had been reduced drastically. I offered to pay my monthly loan amount in two installments and I was denied by the assistant manager. I was told they would only accept a one time payment in full and nothing else. 
A month later I received a letter that they were suing me in small claims court. 

They refused partial payments and then sued me. 

They would also call every single day when I was late on my payments some times multiple times a day. Always when I was at work. I have voicemails for proof.
Product: Prepaid card

I added money to my cash app card. To pay a friend I had gotten a loan from. And when I was ready to send the payment my funds was not there. It had been taken out of my account by multiple withdrawal. They only replace part of my funds. I had to close that account and open another one. Still didn't get all my funds back.
Product: Credit reporting or other personal consumer reports

I am thankful for your help in removing some of the negative items from my credit file. However, there are still a few incorrect items that need to be removed. This is my third attempt to notify you that I was harmed by incorrect credit report details and I write to dispute these items in my file resulting from this matter. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from the inaccuracies in my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is trying to collect on a debt for XXXX that is not mines. I do not have a contract with this company or any debt with this company.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful details concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant XXXX XXXX data field formatting standards is expected. 
I challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the 2020 CRRG, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations. 


Additionally, I am disputing the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several times. This has damage my reputation with obtaining credit and so forth. This last time I disputed it Experian updated and deleted the account. DELETIONS IS ADMISSION.

Under 15 USC 1681 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2

) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

They violated all these federal laws and my consumer rights. I am entitled to compensation according to 15 USC 1692K ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is in response to your recent claim that [ insert name of creditor, collection agency, or court ] verified the account they are reporting is accurate.

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

XXXX, XXXX XXXX
Product: Checking or savings account

Deposit a large amount into my account from my retirement, additional fees charged, money was disappeared from my account I knew nothing about
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 1681s-2 cover the duty of furnishers to provide " accurate information among other things. Subsection ( a ) Prohibits furnishers from reporting information with knowledge of error. XXXX XXXX XXXX Subsection 1681s-2 state you must conduct a proper investigation. 

I am Disputing the inaccurate and incomplete information reporting on account ( Dispute 1 ) Date of last Payment XX/XX/2021 this is an error and inaccurate information please investigate and provide payment history of this account. 

( Dispute 2 ) Payment Status late 120 Days this is an error and inaccurate information please Investigate and provide payment history of this account. That will prove this 120-day late payment is an error and inaccurate information. 

Account number XXXX is reporting incomplete I have already submitted a dispute for inaccuracies which I have provide a copy of such dispute with this new dispute includes a copy of my credit report account XXXX XXXX XXXX which show the account is reporting inaccurately which also is hurting me from getting new credit products and services This is my last complaint number XXXX from CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and to whom it may concern. I was looking at my credit report and noticed 2 addresses not associated with me. 

address 1 ) XXXX XXXX XXXX XXXX XXXX fl XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have only lived at XXXX address in fl. To my understanding there is another XXXX XXXX in my area
Product: Credit reporting or other personal consumer reports

The following inquires below were not authorized. Please remove these inquires ASAP. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been the biggest XXXX for Capital One for years. I XXXX XXXX to get these cards. They have always provided outstanding customer service and been my partner. I have had this account for almost a decade. 

All of that said, it is clear that they are changing their ways! 

I made a payment of {$4700.00} ( payment made weeks before the statement due date ) and after 4 days they had not released the available credit. They even continued to approve charges the day they received the payment but then went into lock down the day after the payment. When I called I was told that this is common when an excessively large payment has been made. The clerk then checked the card to find that this payment was not excessively large for the history of the account. He then said during this tough times it is not unusual. When asked if there was anyone I could speak with he said no. The funds have cleared my checking account and are past the retrieval date. This is unnecessary and totally unacceptable.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Follow-Up Dispute Unauthorized complaint # XXXX Hard Inquiries ( Failure to Provide Proof of Permissible Purpose ) Dear Equifax Disputes Department, I am following up on my previous dispute regarding multiple unauthorized hard inquiries appearing on my Equifax credit report. Despite my request for documented proof of permissible purpose, your response merely reiterated that these inquiries are a factual record of file access. This generic response fails to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which explicitly states that a company must have a legitimate, documented reason to access my credit file. 

The following entities have conducted unauthorized inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that Equifax immediately provide the specific documentation each of these entities provided, including the exact permissible purpose they claimed under the FCRA. If Equifax can not furnish such documentation, you are legally obligated to delete these inquiries under 15 U.S.C. 1681i as unverifiable and inaccurate information. 

Failure to Comply Will Result in Legal Action If Equifax does not fully investigate this matter and continues to report these inquiries without verifiable proof of permissible purpose, I will have no choice but to : 1. File a complaint with the Consumer Financial Protection Bureau ( CFPB ) for noncompliance with federal consumer protection laws. 


2. Initiate legal action for willful or negligent noncompliance with the FCRA under 15 U.S.C. 1681n and 1681o, which entitles me to statutory damages, actual damages, and attorneys fees. 


3. Seek injunctive relief to compel Equifax to remove the unauthorized inquiries through a formal lawsuit. 



I expect a substantive response within 30 days, including either verifiable documentation of permissible purpose or the immediate deletion of these inquiries from my credit report. Failure to do so will escalate this matter legally. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. 

XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i noticed that ive been a victim of identity theft and found numerous credit inquiries i have knowledge of here are the inquiries that ive found : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX Please remove these fraudulent inquiries from my credit report.