23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Subject : Dispute of Inaccurate Information Dear, XXXX  XXXX, Experian, XXXX, XXXX I am writing to formally dispute certain information in my credit report. I have reviewed my report and found that there are accounts listed for which I do not have any information or knowledge. This is a request for you to investigate these accounts further, as I believe they may be inaccurate. 

According to the Fair Credit Reporting Act, I understand that I am entitled to request an investigation into any information that I believe is incorrect. I would appreciate it if you could conduct this investigation within 15 days of receiving this letter. 

If you are unable to verify the accuracy of the disputed information, I request that you remove it from my credit report immediately. 

Please find enclosed copies of any relevant documents that support my dispute. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting

Equifax has previously reported that I do not have a chapter XXXX currently reporting on my file. However, I have yet to receive a credit report showing this. Equifax also keeps stating that XXXX XXXX has verified this information to be true when this is a blatant lie. As you can see I have a letter from XXXX XXXX stating I have no public records with them. Credit file confirmation number with Equifax # XXXX. Please have Equifax to permanently delete this information from my fie.It is both illegal and unethical to keep this erroneous information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the original creditor. See Hurds Rev Stat Chap 32,36. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

U.S. Homeland Security and Border Protection XXXX - geodetic survey blood right heir ( royal trust ) 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( XXXX ) the principle amount of such obligation is stated in the obligation and ( XXXX ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 

15 USC 1692 congressional declaration of purpose.

House Joint Resolution 192!!!

In accordance with the fair credit reporting act The principal debtor is responsible.

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose.

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ).

Remove the fraudulent fiat-money claims.

Thank you.
Product: Debt collection

I was sent a letter from Credit Management , LP dated XX/XX/XXXX. This was a letter stating I owe XXXX XXXX ( XXXX ) {XXXX} from XXXX. This is a 5 year old debt they trying to collect on. My state limitation is 3 years. I responded to this letter on XX/XX/XXXX with a validation letter that I mailed to them via Certified U.S. Postal Service. They received this letter from me on XX/XX/XXXX. There was no response from them to valid this debt. I followed up with another validation letter mailed via Certified U.S. Postal Service on XX/XX/XXXX. They received this on XX/XX/XXXX. I received notification from a credit monitoring app that I had a new collection on my report. They placed this debt on my credit without them validating this debt or sending me anything to prove this was my debt. The FCRA gives companies 30 days to respond and as of today I have no received anything.
Product: Payday loan, title loan, personal loan, or advance loan

I accepted an offer I received in the mail for a " flex loan ''. I was consolidating bills and paying for repairs to my business. I received a 14.99 % interest offer. 
My payments are {$540.00} per month. I have made XXXX payments so far and only {$4500.00} was applied to principal and {$4200.00} to interest. I don't understand how they are allowed to do this. That is nearly 50 % of my payment going to interest. 
When I checked into this there are no more Citibank branches available. Everything is online only. Are they going out of business? 
I would appreciate any information and help you can give me. 

Thank you so much, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> someone purchased a vehicle in my name without my knowledge or consent this account was disputed a police report was filed and given to the company ally financial which did there investigation and removed the account from all three of my credit reports. Yet it is still on my equifax report
Product: Vehicle loan or lease

On XX/XX/XXXX, I visited the XXXX XXXX dealership on in XXXX LA. XXXX was the salesperson assisting me with a XXXX XXXX XXXX. He gave me a price of XXXX being the sale price after discount but before taxes, my down payment, and trade-in, He presented me with a buyers order that ended with an amount around {$200000.00}, which included all taxes, fees, licenses, my {$500.00} down payment, {$2500.00} trade-in allowance. I was asked to sign that paper, then I was presented with another paper that offered payment options, of monthly note, and length of the terms swell as downpayment amount, which was different from the first one of the same kind he presented to me originally. I was attending my grandson party but had to make a run to XXXX, which is a bock after the dealership, which is how I spotted the XXXX. That being said, I told that to XXXX, and XXXX, the USED Car Manager,  XXXX suggest my daughter take the car to XXXX. Immediately after our visit to XXXX, we went back to the dealership to return the vehicle as we had to go back to the party. However, XXXX suggested we take it to the party they will be working on getting the vehicle financed. We returned two times that night, but they were not able to find a company to finance the XXXX XXXX XXXX at that, but I was asked to sign some paperwork they needed so they could find a company to finance me. I was told that either, I will have to bring the car back, or the payment will be due on XX/XX/XXXX, because most payments aren't due for a while, but let get you financed first. The finance man did not give me any papers as I didn't have an approval at that time, I was told. Therefore, XXXX put a 5-day tag on the XXXX XXXX, on XX/XX/XXXX, and he repeated to do so 3 more times, for 3 weeks, as a result of not finding a  financial copy to finance the deal. I never received any paperwork from the dealership, but last week, I received a welcome letter from Exeter Financial LLC., stating a payment of XXXX is due XX/XX/XXXX. My daughter, XXXX XXXX, went to the dealership asking for more information, they gave her a contract with the information I never received or known about. The XXXX  was on its 3rd 5-day tag because XXXX kept stating they did not have a completed deal and could not provide a 60-day temp tag for the XXXX XXXX XXXX until there was a deal in place. Two days later after the 3rd 5-day tag expires, XXXX put a 60-day temp tag on back the window of XXXX. I called the finance company asking how they entered into this agreement without my permission, They never reached me to verify if I infect agreed to the terms and conditions of the erroneous contract. I have not been given the due process to either accept or deny the terms made between the dealer ( XXXX and or XXXX  XXXX ) and Exeter Finance LLC.  I'm requesting the due process to and requesting all fraudulent contracts be ceased and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom this may concern my identity was stolen and the thief try to apply for several credit cards using my social security number and my name I did not authorize this transaction they have totally ruined my credit score it has  calls such a major heartache on me financially and mentally can someone please assist me and having these removed from my credit this was put on there as a hard inquiry and I would like to have that hard inquiry removed please I would very much appreciate some assistance Creditor Contact Details XXXX  Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Creditor Contact Details Cap One Inquiry XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Creditor Contact Details XXXX XXXXnquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint and Equifax accused me a of being a credit repair company, as stated before I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

When CV19 hit, I had to shut down my business, as millions of others in America had to do.

The mortgage company offered a forbearance for 3 months. I paid all past due amounts after 60 days and this is still showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX  XXXX XXXX credit card appears in my credit report and does not belong to me. 
the account belongs to someone who has my same birthday and almost same name I have already obtained a police report and an affidavit of identity theft victim which I will be happy to submit to you Other items have been removed from my credit report who belong to the same person of the XXXX  XXXX XXXX credit card. 

I contacted XXXX  XXXX XXXX and they couldn't help me. 

Please assist me so XXXX  XXXX XXXX stops reporting such credit card in my credit report thank you.
Product: Debt collection

Affirm is the company. I originally secured the debt in XXXX via XXXX XXXX of $ XXXX and continued payment until XX/XX/XXXX ( last payment of {$89.00} ). I took a few years off to deal with some health issues and have recently reentered the workforce, so I didn't have much time and energy to address this. I've reached out to the company in XXXX and XXXX with no results. I even filed a dispute via XXXX and XXXX. 

Its been years and the company has now charged off the amount of {$240.00} to a predatory lender whose harassing me because the company claims they have no record of my last payment. I'd like this figured out and removed from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND CREDIT MANAGEMENT has placed an account on my consumer credit report for {$4600.00}. This company is also reporting inaccurate information across all 3 bureaus. This company is a 3rd party company and is in violation of my consumer privacy rights such as 15 u.s code 1681b, 15 u.s code 1692b ( 2 ) and 15 us code 1692e. 
Due to, I never gave consent verbally or in writing would result in identity theft.
Product: Debt collection

Experian continues to report negative information longer than 7 years for XXXX XXXX XXXX. XXXX XXXX XXXX have been reporting derogatory information longer than 7 years which goes against FCRA rules. Any derogatory information should be removed after 7 years. Experian is reporting negative information longer than 7 years. Reporting late payment since XX/XX/2016 and refuse to remove negative trade line.
Product: Student loan

I should have automatically been forbearance since XX/XX/XXXX because XXXX XXXX 's IDR Plan was being challenged in court. In XX/XX/XXXX, I called MOHELA customer service after my consolidated loans went to MOHELA and I had to get a short-term " processing forbearance '' so that my account would not become past due. ( Document is attached ). It should have been automatically put on indefinite forbearance. 

After filing my last complaint with XXXX XXXX XXXXXXXX On XX/XX/XXXX, I received a letter from MOHELA, XXXX XX/XX/XXXX. ( Document is attached ). The letter states my consolidated student loan is in forbearance for an indefinite period. It also states that MOHELA will notify when the forbearance ends. 
However, on my MOHELA account as of XX/XX/XXXX, MOHELA states my account is past due and I also received another notice on XX/XX/XXXX, that my account is 30 days past due. MOHELA has not notified me that my loan forbearance is ending. To state it is past due is completely inaccurate and must be corrected.
Product: Checking or savings account

XXXX is billing me around XXXX USD for their XXXX XXXX and I do not have the service.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

An Unauthorized Inquiry was reported to my Consumer Reports on XX/XX/XXXX. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/XXXX. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XX/XX/XXXX* This Creditor had no Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX
Product: Credit card

I am writing to bring to your attention a matter regarding the denial of securities by XXXX XXXX, which I believe constitutes a violation of my rights under the Equal Credit Opportunity Act ( ECOA ). 

Recently, I submitted a registered security to XXXX XXXX, as per their requirements. However, my application was denied based on information provided by TransUnion. It is pertinent to note that this denial occurred despite my XXXX XXXX, which should not be grounds for refusal of access to my securities. 

I firmly believe that denying access to my credit, particularly in the context of securities transactions, constitutes a form of security fraud. This action directly contradicts the principles outlined in the ECOA, which mandates equal access to credit without discrimination based on factors such as race, color, religion, national origin, sex, marital status, age, or because the applicant receives income from a public assistance program. 

I am seeking compensation for the denial of my securities by XXXX XXXX. I believe that such compensation is warranted given the violation of my rights under the ECOA and the inconvenience caused by the denial. 

Furthermore, I urge the CFPB to investigate this matter thoroughly to ensure that such discriminatory practices are addressed and prevented in the future. It is imperative that financial institutions uphold the principles of fairness and equality as mandated by federal law. 

Thank you for your attention to this matter. I kindly request acknowledgment of receipt of this email and any necessary steps for addressing this issue. 


Sincerely, XXXX XXXX
Product: Debt collection

I sent a letter to XXXX XXXX on XX/XX/2017 requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documents. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the Credit Bureaus that I am asking to be deleted.
Product: Debt collection

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The item I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. I've tried to let the company know that this was not me and they refused to remove the account from my credit report.
Product: Mortgage

XXXX failed to inform the California XXXX XXXX XXXX the correct past amount due on our mortgage loan. Due to Covid we fell behind on payments for 1 year and the past due amount is {$37000.00}. We reached out to the California XXXX  XXXX XXXX to help us with the {$37000.00} we were past due on. However, XXXX informed the California XXXX  XXXX XXXX that the past due amount was {$14000.00}. On XXXX XXXX, 2023, the {$14000.00} was posted to our mortgage loan. 

We reached out to PRMG on XXXX XXXX, 2023 to clarify the situation between XXXX and California Mortgage XXXX XXXX. We spoke to XXXX XXXX ( employee # XXXX ), who stated we weren't eligible for the XXXX program because our mortgage was up to date. However, if we were up to date how did we receive {$14000.00} for our mortgage? She failed to respond to our question, got upset and hung up on us. 

We have been trying to resolve this mortgage relief for 5 months now. Per California XXXX XXXXXXXX XXXX, our application XXXX met the qualification requirements to bring our loan current on XXXX/XXXX/2023. However, XXXX failed to inform the California XXXX  XXXX XXXX we owed {$37000.00} and our home loan was shorted {$22000.00}. 

In order to correct this error committed by PRMG, we are requesting that XXXX get in touch with the California XXXX XXXX XXXX for the {$22000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act and XXXX  Account # XXXX XXXX  XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX, 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

XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX  XXXX  XXXX XXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DP OF EDUC XXXX XXXX/XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX  acct # XXXX Account name : XXXX acct XXXX XXXX Account name : XXXX XXXXXXXX acct # XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXXXXXX acct XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 crime 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 consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. Information, other than records of convictions of crimes which anledates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate please delete
Product: Vehicle loan or lease

On XX/XX/2018 I paid off my existing collection account with Credit Acceptance in the amount of {$190.00}. My account number is XXXX. When I paid this account off in full I was told that all three ( 3 ) of my credit reports would reflect that the account was paid and closed and would do so XX/XX/2018. Well that is not the case because I checked all three ( 3 ) of my reports on XX/XX/2018 and Credit Acceptance reported to XXXX, XXXX and XXXX that I still owed a balance and charged off. I called Credit Acceptance to resolve this and the CSR told me it would be fixed. Credit Acceptance has yet to fix my credit reports with XXXX and XXXX to show this account paid and closed.