23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I went to XXXX in XXXX, WA for the Winter Quarter of XXXX and for a few weeks XXXX Winter Quarter. I signed one Promissory Note for this first quarter in XXXX. After a few weeks in XXXX XXXX I was called into the Dean 's office and told my math skills were n't good enough for continuing the college so I did n't go any more and dropped out. I have been charged tuition and fees for quarters and years up until XXXX as if I were still going there. They even have me paying cash payments for fees and books throughout XXXX, XXXX, XXXX and now XXXX!. This would be impossible since I no longer attended after XXXX XXXX I do not know how someone opened up more student loans under my name and social security number unless it was done to defraud the system. I only signed one promissory note for the quarter of XXXX XXXX. Navient and US Department of Education say I owe them up to {$13000.00} now. I even paid on these loans but I asked Navient to not put me in Forbearance because I do not owe anything. Navient still put me in Forbearance and fraudulently show as paying some to my credit bureaus which is a total lie. I am not still paying on these so called federal loans because I do not owe any more. 
Also, XXXX XXXX took over the school in XXXX and they have been worse to deal with and lie even more. I asked them to produce all my Promissory notes that I would have had to sign for each quarter and they ca n't send me any with my signature on them because I did not take any further loans out since that one quarter in XXXX. XXXX XXXX has closed the school now. XXXX XXXX even had me withdrawn in the Fall of XXXX and then had me signed up again in XXXX. Which is a complete lie. Navient tells me XXXX XXXX is still open and I owe all this money and they are reporting on my credit bureaus that I owe {$13000.00}. Please help. They have ruined my credit. I am not in debt with any of my bills. This is such an injustice..I have no one else to help me but your organization.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXXXXXX XXXX  XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/XXXX XXXX experian. XX/XX/XXXX XXXX This information is incorrect and negatively affects my XXXX XXXX. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/XXXX late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within XXXX days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

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

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX Inquiry Date XX/XX/2020
Product: Debt collection

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 : CREDIT COLLECTION SERV
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with identity theft in the past. Apparently, someone has and still attempts to use my information to obtain credit services. There are several unauthorized inquiries on my Trans Union Credit Report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX  and XXXX XXXX XXXX
Product: Checking or savings account

- {$10.00} Direct Debit : XXXX XXXX, XXXX, XXXX XXXX Mon, XX/XX/year> XXXX XXXX  Account Checking Category Other Card XXXX - {$400.00} ATM Withdrawal Wed, XX/XX/year> XXXXXXXX XXXX  Account Checking Category Cash Withdrawal Description XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX - {$400.00} ATM Withdrawal Thu, XX/XX/year> XXXX XXXX Account Checking Category Cash Withdrawal Description XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX  XXXX - {$400.00} ATM Withdrawal Thu, XX/XX/year> XXXX XXXX Account Checking Category Cash Withdrawal Description XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX {$100.00} ATM Withdrawal Thu, XX/XX/year> XXXX XXXX  Account Checking Category Cash Withdrawal Description XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX - {$400.00} ATM Withdrawal Thu, XX/XX/year> XXXXXXXX XXXX Account Checking Category Cash Withdrawal Description XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX {$360.00} XXXXXXXX XXXX XXXXXXXX XXXX Thu, XX/XX/year> XXXX XXXX - {$200.00} ATM Withdrawal Thu, XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - {$400.00} ATM Withdrawal Thu XX/XX/year> XXXXXXXX XXXX Account Checking Cash Withdrawal Card XXXX - {$180.00} ATM Withdrawal Fri, XX/XX/year> XXXXXXXX XXXX Account Checking Category Cash Withdrawal Description XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX  XXXX XXXX {$150.00} XXXXXXXX XXXX XXXX  Thu, XXXX XXXX, 2023 XXXX XXXX  Account Checking Category General Shopping Description XXXX XXXX XXXX XXXX, FL, XXXX XXXX  XXXX - {$360.00} XXXX XXXX XXXX Florida Thu, XXXX XXXX, 2023 XXXX XXXX Account XXXX Category General Shopping Description XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX - {$10.00} XXXX Debit : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Mon, XX/XX/year> XXXX XXXX  Account Checking Category Other Card XXXX - {$10.00} Direct Debit : XXXX XXXX, XXXX, XXXX XXXX Mon, XX/XX/year> XXXX XXXX Account Checking Category XXXX XXXX XXXX None of these transactions was authorized by me or place by me. Im sending this to you guys so you guys could help me. Ive been complaining and been calling and they havent again, savings account been resolving these problems. They were just simply send me a new card.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my Transunion credit report. XX/XX/year>, I applied for an auto loan at dealership and was made aware of multiple inquiries on my credit report that I did not authorize.

It is my understanding that FICO scoring models typically consider multiple inquiries for the same type of loan ( e.g., auto loans ) within a certain timeframe as a single inquiry. This practice is meant to accommodate rate shopping by consumers. As per FICO 's policy, these inquiries should be grouped together and not negatively impact my credit score multiple times.I currently have XXXX and it looks like I keep trying to finance with multiple dealers The inquiries I am disputing are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] I believe these multiple inquiries are related to my single application for an auto loan and should be treated as a single inquiry. I kindly request that you investigate this matter and remove the unauthorized inquiries from my credit report.-Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - - 15 USC 1666 USC 1666B 12 CFR, 1026.13 Billing Error-Late payments. - Recently I checked my credit report and noticed late payments from your company.

This Edit account is inaccurately reporting payment history. Please update to paid as agreed/ never late XXXX XXXX - XXXX - 15 USC 1681e ( b ) Compliance procedures of the reports. - This account is not reporting completeness and accuracy. Your company is not assuring maximum possible accurate. Please delete this from my report XXXX -- 15 USC 1681e ( b ) Compliance procedures of accuracy the reports. - This account is not reporting completeness and accuracy. Your company is not assuring maximum possible accurate. Please delete this account from my consumer report. As a consumer by law this account must be removed. 
1 of 6 XXXX XXXX XXXX XXXX  - **** - Under 15 US CODE 1681a ( 3 ) this medical collection is in violation and can't be on my credit report - As a consumer by law this account must be deleted immediately Incorrect Name - XXXX XXXX - As a consumer by law this account must be deleted immediately Incorrect Name - XXXX XXXX XXXX - As a consumer by law this account must be deleted immediately Incorrect DOB - XXXX  - As a consumer by law this account must be deleted immediately Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - As a consumer by law this account must be deleted immediately Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - As a consumer by law this account must be deleted immediately Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - As a consumer by law this account must be deleted immediately EMPLOYER - XXXX XXXX - As a consumer by law this account must be deleted immediately FYI : I am sending this letter in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ). If you choose not to provide the above requested deletion or requested documentation of your investigation, I will pursue the enforcement of my constitutional rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax returned a dispute file to me with items verified as accurate. They FAILED to require me with my original signature on the application for the loans, proof that the loans were mine, original terms for each loan. These were all the result of identity theft and the accounts DO NOT BELONG TO ME. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CARD SERVICES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Abusive mortgage servicing practices, this is a violation. Improperly and wrongfully increasing permenately modified loan payments and failed to pay property tax disbursments on times, this is a violation of RESPA. Then I was under Ch.XXXX  bankruptcy and you shortage my escrow payments by failing to analyze accounts properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

still reporting false, misleading, and inaccurate Information on my consumer report sent several letters and they refuse to properly investigate, refuse to remove inaccurate item, and refuse to send proper validation.
Product: Money transfer, virtual currency, or money service

Purchased used wheels through Paypal with purchase protection. The seller sold me an item that should have been covered. They were unusable, damaged beyond repair, and I had evidence from a shop stating this was the case. Paypal denied my claim because the original ad said the wheels had minor curb rash. I am now out {$4000.00}. Paypal and the seller have committed fraud.
Product: Credit reporting or other personal consumer reports

Transunion has the following accounts on my Credit Report that they will not remove. See the Attached FTC report. XXXX. XXXX, XXXX, XXXX Florida, and XXXX XXXX. These are not mine.
Product: Credit reporting or other personal consumer reports

My sister got a car last year in XXXX but for the car it shows up on my credit we been found out about it in XXXX and been trying to fix it since
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Urgent Complaint Regarding XXXX 's Intentional and Malicious Violation of 15 U.S. Code 1681c-2 FTC Report # XXXX FTC Identity Theft Report Number XXXX ; File Number XXXX and Demand for Monetary Damages from XXXX for Willful Violation of the FTC Act Per 15 U.S. Code $ 1681c-2, a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Accounts on the FTC Report per XXXX File dated XX/XX/XXXX, are listed as accounts with Adverse Information. This again is INCORRECT as the fraud was discovered in XX/XX/XXXX, and XXXX was notified immediately. 

Under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I demand the deletion of the accounts listed immediately! 
Best, By : AUTHENTICATED SIGNATURE Agent for XXXX XXXX Principal By Accommodations Without Recourse XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to address my issue and concerns regarding Zelle handing my dispute that I tried to address with them. Since the CFPB lawsuit I would like to highlight my concerns with the platform. Despite using Zelle numerous of times, my institution and Zelle failed to investigate my claims adequately. They explained to me that receiving lost funds was impossible and tracking these transactions was infeasible. The CFPB finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving customers like me neglected and vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act all accounts listed with this consumer reporting agency " XXXX XXXX '' has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I have reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number XXXX. XXXX XXXX assumed this role without permission not only that they did not have my consent. XXXX XXXX did not respect my right to privacy which is under 15 USC 1681 a number XXXX. XXXX XXXX did not exercise grave responsibility, they were unfair, they were partial. Im taken the liberty to file a CFPB report and an attorney general 's complaint. XXXX XXXX never had permissible purpose Under 1681 b number 2. I never instructed those guys to furnish this report and I never consented to this report in the first place. 

Attached are Denial Letters from XXXX & XXXX both of which denied me access to my credit report after submitting all necessary documents. After years of failed attempts, failed phone calls its time to be treated fairly and not unfairly
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

I called carmart to notify them about my payday falling on the XXXX and XXXX. I asked to have my contract modified before my due date. They refused to modify but the manager did say she would notate the account that I would pay half on the XXXX, which I did and the other half on the XXXX. If I spoke to the general manager why is the account rep. Calling me 5 times a day or three times in a row back to back?