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

This is not the first time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} ; XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX reported on behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dates : XX/XX/2016 XX/XX/2016 XX/XX/2016 and ... 
XXXX  XXXX reported on behalf of : Exeter Finance XXXX XXXX XXXX # XXXX XXXX, TX XXXX this information is false. Please have it removed.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, NV, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX, TX, XXXX ] Subject : Unauthorized Credit Inquiries- Request for Removal I am writing to dispute the following unauthorized credit inquiries that appear on my credit report. These inquiries were made without my knowledge or consent, which constitutes fraud and identity theft. I request that these inquiries be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiries are as follows : XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Under the FCRA, credit inquiries must have a permissible XXXX, and consumers must provide explicit consent for such inquiries2. These inquiries were made without my authorization, and I request their immediate removal to prevent further damage to my credit score and financial health. 

Please investigate these inquiries and remove them from my credit report. I have enclosed a copy of my credit report with the unauthorized inquiries highlighted for your reference. Additionally, I have included a copy of my identification and proof of address to verify my identity. Also i am requesting that the following addresses are deleted i have never been associated with these addresses they came after from the identity theft as well XXXX XXXX XXXX CT XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your prompt attention to this matter. I look forward to your response confirming the removal of these unauthorized inquiries. 

Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a product from a company XXXX XXXX XXXX, registered address XXXX XXXX XXXX, XXXX XXXX, CA XXXX - owner listed as XXXX XXXX. I never received the product. The total charged was {$160.00}. I reached out to the merchant multiple times. She responded once in the beginning stating that my order would ship the following week but it never shipped. The owner has since ignored all subsequent requests and contact attempts. I filed a dispute with cash app. They stated they filed the chargeback but the XXXX XXXX sided with the merchant. Thats not possible! In order for a merchant to win a chargeback dispute the merchant would have to show proof of delivery of the product. This merchant does not have proof of delivery and I never received the product!!!! Something isnt right. I submitted proof of my multiple contact attempts to this merchant showing her unresponsive ness, her phone lines were disconnected, her website was down for a period of time due to a billing issue and now its back up. I want my money! Cash app is unorganized and I cant get through to talk to anyone! The next step will involve my attorney, cash app, and the merchant. Cash app has been negligent in properly investigating the dispute. I want proof of the investigation and the results!
Product: Credit reporting or other personal consumer reports

The about XXXX XXXXXXXX something i have no idea wjat this is i also did not give any qritten concent for anything that is on my credit report! Every single thing that is being reported on there i have not given written concent and it is against the law. And i need to be deleted asap. All debt is obligations of united states. 12 us code 411 all federal reserve note obligations are obligations of the united states. 31 us code5118 a 2 your federal reserve note problems are not my problem but the problem of the united states treasury. And i need all of it taken off and deleted. Also i will file with the ftc. For soliciting my personal informacin between companys i did not give written concent to any of the companys.
Product: Student loan

I am so upset I am shaking and I couldn't sleep last night. I was on hold with the department of education for 2 hours. I talked to someone and she said she transferred me to a " Loan discharge agent '' and then left me on hold music for 2 hours and then the music just stopped and it was nothingness. This is definitely on par with the incompetence of the department of education. It is not a new experience at all. 

I received a letter on XX/XX/21 that stated I would get 100 % of my balance from XXXX University discharged. What happened yesterday was I received a letter stating only {$8800.00} was discharged. I owe at least {$80000.00} from XXXX and this is definitely not 100 % discharge. This is not even 10 %. I have been lied to. I have been treated horribly. My life has been on hold waiting for not even 10 % of what I was promised. I waited my 180 days as the letter on XXXX stated. I consolidated like I was told to get the FFEL loans added to the discharge. HOW CAN THEY DO THIS TO ME?!??!?!
Product: Credit card or prepaid card

under SS.1026.2 definitions and rules of construction number ( 3 ). 1026.2 ( a ) ( 3 ) ( i ) application means the submission of a consumers financial information for the purpose of obtaining an extension of credit and they denied me and i did fill out an application with discover card and as stated under title 15 US Code 1605 determination of finance charge i extended my credit to them and they fraudulently still denied me my own credit there for that is a crime under title 15 US Code 1611 criminal liability for willful and knowing violation and want them to provide me with my discover credit card with open-ended-credit/unlimited immediately without hesitation. 

application number XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have asked XXXX, XXXX, and Equifax to reinvestigate the following accounts : name : XXXX XXXX XXXX account # XXXX name : XXXX, account # XXXX name : XXXX XXXX XXXX, account # : XXXX name : XXXX XXXX XXXX, account # XXXX name : XXXX XXXX XXXX, account # XXXX name : XXXX XXXX XXXX, account # XXXX, name : XXXX XXXX XXXX , account # XXXX name : XXXX XXXX, account XXXX XXXX name : DEPT OF ED/XXXX, account # *********** XXXX name : DEPT OF ED/XXXX, account # *********** XXXX The following hard inquiries : name : XXXX XXXX date : XX/XX/XXXX The following soft inquiries XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX INFORMATION SVCS XXXX XXXX XX/XX/XXXX EQUIFAX INFORMATION SVCS XXXX XXXX XX/XX/XXXX EQUIFAX INFORMATION SVCS XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 data is inaccurate.
Product: Debt collection

I accidentally parked my car in the wrong ( unmarked ) lot on XX/XX/21. Within 5 minutes I realized I was in the wrong spot. I came back to move my car but was already booted. When I explained the mistake to the attendant ( who I did not see when I parked ) she was unmoved and made me pay her on the spot {$80.00} before removing boot. Payment proof attached. The parking company XXXX ( XXXXXXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX, TN XXXX hired Collect Park out of XXXX, Az to further harass me, and to incredibly try to get me to pay an ADDITIONAL {$60.00} Clearly an illegal and abusive practice.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I recieved a call from a third party saying I have a credit card debt from HSBC ( XXXX XXXX ) from XXXX. I believe this has been paid. XXXX XXXX XXXX XXXX is threatening a civil suit in the amount of {$6400.00}. This report does not show on my credit report
Product: Student loan

Earnest is charging me usurious interest rates. They are charging these rates during an unprecedented era of low rates and during a pandemic. They have refused to lower my rates despite multiple requests.
Product: Debt collection

XXXX XXXX XXXX XXXX has sent collections letters stating I owe XXXX {$400.00} ( shown as {$400.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. An copy of billing statement is not acceptable verification.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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   XXXX  pu blic record accounts in the amounts of {$15.00}, xxxx and {$13.00}, xxxx that have been reporting on my yearly credit report by  XXXX  since  XXXX  of   XXXX  . According to FCRA law : " This information is generally removed  seven years from the initial missed payment that led to the delinquency. Missed payments and most public record items may remain on the credit report for up to seven years, except Chapters   XXXX  ,  XXXX  and   XXXX    bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past du e remain up to 10 years after the date the account was transferred. '' I have tried several times in the past gew years to have this information deleted from my reports, as since it has been reporting since  XXXX    XXXX   which is now 16 years and 6 years past the legally permissable reporting criteria. However    XXXX    continues to report this information which is a violation of my FCRA rights and  State law.  The account is also being illegally re-aged to reflect the current month as the reporting date every time I file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just tried to submit a dispute online again with experian for the XXXX XXXX XXXX XXXX union account and XXXX XXXX XXXX that has fraudulent charges on it. Experian will not allow me to re-dispute again. It is my right to submit as many disputes I want for information that dont belong on my credit report. Message said they will not re-dispute this information for me. This is completely wrong
Product: Debt collection

I rented an apartment at XXXX XXXX till XX/XX/XXXX. Before I left the premises I asked the manager of the property at that time how much I owned, because I left before the end of the month, and she informed ( her name was XXXX ) and she informed the amount of {$420.00}, which I paid by the date I left the property, XX/XX/XXXX. Now I receiving a collection from XXXX, which I tried to contact, but all persons contacted there were unprofessional and rude, they didn't want to list my reason, they just want to collect the money the that they say I need to pay. So I just want to be free of that collection. I know when I left XXXX XXXX several tenants were complaining of the management. The apartment where I lived I had a break in and the management didn't nothing to improve the security of the premises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that I never signed up for that are somehow showing up in my collections. 

- XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/2019 - XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/2019 XX/XX/2019
Product: Debt collection

I saw on my credit report with a collections from a CACH LLC Resurgent Cap in the amount of XXXX with this acct XXXX I asked them for proof because Ive never had a loan with them nor a MasterCard on XX/XX/2015. Ive exhausted all ways to rectify the situation including asking for proof and again never received anything. So it sits on my credit report
Product: Credit card or prepaid card

My credit card account was canceled by American Express, although I pay all bills in full every month. American Express stated that I abused their payment dispute policy, which I disagree. There are two issues with their practice, and I need to get reasonable resolutions. 

( 1 ) while they don't have evidence to show why I was considered as abusing dispute policy, they also limited the redemption option of the award points that I have earned across all current and historical relationships with American Express ( this is because American Express has XXXX reward program rather than one reward program per card/account relationship ). I was told that I can now only redeem my American Express reward points to gift cards, I can not redeem them in other ways such as transferring to partnership airline award programs. There is no clear Term and Condition stating that limiting reward point redemption method, hence I believe I have the right to redeem my award point the way I desire, rather than forced to be redeemed through getting gift card. I have more than XXXX points, this worth more than {$2600.00}. I don't need gift card that to be this much, I want to transfer to airlines. 

( XXXX ) As my account was closed in the middle of the month, and I can not use the card anymore, I request prorated annual fee to be returned back to my account/ or issue a check for me, due to not able to use this card. the underlying rationale is that American Express should not charge me fee when they cancel my account, and prohibit me to use the card.
Product: Credit card

BANK OF AMERICA HAS NUMEROUS FRAUD TRANSACTIONS ON MY XXXX ACCOUNT AND WILL NOT RECOGINSE PAYMENTS LARGE ONES I MADE. I HAVE DISPUTED PER FCBA AND WILL NOT COMPLY WITH THE ACT. THEY HAVE IGNORED AND STOLEN XXXX IN PAYMENTS. AND REPORTING FRAUD INFORMAITON
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to contest the permanent limitation placed on my PayPal account, associated with the email address XXXX. I strongly believe that this limitation has been imposed in error, as I have not knowingly violated any PayPal policies or engaged in any unauthorized activities. 

As a long-standing PayPal user, I have consistently adhered to PayPal 's terms and conditions. I hold great value in maintaining a trustworthy and cooperative relationship with PayPal and am committed to resolving any misunderstandings or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal a misunderstanding or error. I am prepared to provide any necessary documentation or information to support my appeal. Restoring my PayPal account would not only alleviate the inconvenience I am currently facing but would also allow me to continue utilizing PayPal for secure and efficient financial transactions, as I have done in the past. 

I appreciate your prompt attention to this matter and kindly ask that you commence the review process at your earliest convenience. Should you require any specific documentation or details from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

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

I ordered a copy of my report in _XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XXXX, Experian has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX I believe it was reporting in error.