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

I reviewed my consumer report, I noticed that there are inaccurate accounts and inaccurate information on my consumer report. The consumer reporting agencies never gave me the right to opt-out from sharing my information with such agencies, They never asked for my permission to furnish this information. They have assumed this vital role and have infringed upon my right to privacy by selling my data to a 3rd party debt collector, Pursuant to 15 USC 1681 ( 4 ) My privacy has been invaded and damages have been done to my mental health by the added stress of such reports on my credit score that have been a total invasion of privacy. 

REMOVE ALL INQUIRIES Inquiries/ Regular Inquiries/ Promotional Inquiries/ Account Review Inquiries REMOVE CLOSED ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally report an incident of identity theft and fraudulent accounts on my credit report. I recently obtained a copy of my credit report from TransUnion, and I discovered several unauthorized accounts and transactions that I did not open or authorize. This is a matter of utmost concern, and I am seeking your assistance in resolving this issue. Please find below the details of the fraudulent accounts DPT EDXXXX XXXX Remove these fraudulent accounts and any associated negative information from my credit report as they are not a result of any legitimate transactions I have made.

I understand that this process may take some time, but I kindly request that you keep me informed of the progress and any actions taken to resolve this matter. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX AND XXXX 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 XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Wells Fargo offer a XXXX Pay service to pay other wells fargo customers easily. I used this service to pay someone. The process of payment requires a selection of the " from '' account and the process ensures that sufficient funds are available in order to proceed. There were sufficient funds and the recipient received the amount immediately. 
The next day, I was charged an overdraft fee of {$35.00} for insufficient funds for that specific XXXX transaction.
Product: Credit reporting or other personal consumer reports

I am requesting that you certify that all the data associated with this account is accurate and belongs to me. If you are unable to verify the accuracy of all the information, I demand that the entire account be deleted from my record.
Product: Debt collection

This collection agency has had no form of communication with me about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I requested was granted a forbearance on my loans by Nelnet, however one month, the month of XX/XX/2019 shows a 90 days past due on all XXXX loans. All the other months were in forbearance I requested that they include it in the forbearance, asked that take into consideration that we have XXXX. When these requests were rejected I asked that they at least correct the reporting to show 30 days instead of 90 and this was met with no response. The CRAs wont allow me to dispute them anymore.
Product: Mortgage

I have submitted more than5 applications with have all been denied. When talking to my loan company the stated that my 2 nd application placed with them was denied because working for XXXXXXXX XXXX and XXXX XXXX was not income. So I spent months finding two different jobs and I reapplied. Since then I have been lied to, denied again and have been told that now since I make {$4500.00} a month I still don't make enough. I made less money when I got the home and have been calling the loan company every day they still haven't told me why I'm denied even though they said they cancelled the for sale on my home and I was approved. Now I'm denied for not enough income and no one will talk to me what do I do now I call everyday please help me
Product: Credit reporting or other personal consumer reports

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Product: Debt collection

Your agency has placed an unauthorized collection on my credit file without required notice. I dispute this debt 's accuracy and demand immediate validation as required by the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized hard pull inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in section 1681b ( f ), consumers are entitled to the protection of their credit information from unauthorized access and inquiries. 

Upon reviewing my credit report, I discovered [ number of unauthorized hard pull inquiries ] unauthorized hard pull inquiries listed on my report. These inquiries were made without my consent or authorization, which is a direct violation of the FCRA. 

As per the FCRA, section 1681b ( f ), it is unlawful for any entity to access a consumer 's credit report without a valid permissible purpose, or without the consumer 's express consent. The unauthorized inquiries listed on my credit report not only compromise my privacy but also have the potential to negatively impact my credit score and financial standing. 

I hereby request the immediate removal of all unauthorized hard pull inquiries from my credit report, as mandated by the FCRA. Additionally, I request an investigation into the circumstances surrounding these unauthorized inquiries and measures to prevent such occurrences in the future. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation deemed necessary to assist in the resolution of this matter. 

I expect a prompt response to this complaint and the resolution of the unauthorized inquiries in accordance with the FCRA guidelines.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, FCRA Section 6:05 B, it is illegal to report information on my credit report without my permission. Please remove this item from my credit report. Thank you! Some of these items and also from closed accounts. 

XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XX/XX/XXXX CAPITAL ONE XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, we purchased an attraction pass with the merchant, XXXX XXXX, in the total amount of {$200.00} ( Exh. 1 ) for 2 persons or $ XXXX to be used on XX/XX/XXXX, the selected activity date. A week after the purchase, I changed my mind and requested a full refund of the total amount paid of {$200.00}. However, on XX/XX/XXXX, the merchant only issued an arbitrary refund of {$66.00}. 
According to the merchants cancellation policy ( Exh. 2 ), Full refunds will be issued for cancellations made at least 15 days before the selected activity date and a cancellation fee of JPXXXX XXXXXXXX will be applied before the selected activity date. Considering this cancellation policy, the total refund due is {$190.00} ( {$200.00} - {$4.00} = {$190.00} ). Therefore, the merchant still owes the remaining refund of {$120.00} { {$190.00} ( total refund due ) {$66.00} ( amount partially refunded ) = {$120.00} }.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 7 student loans reporting on my credit report, however there is only one account with the loan servicer and only one payment due. When I was selecting the repayment option for my student loans when I graduated, I was not informed that there was a payment due, which was {$0.00} because of the income based repayment plan. I wasn't made aware until I saw a 120 day late on my credit report. They told me I would have to send them tax returns, which I had yet to file, before they could revert back to the original repayment plan. Which took me 30-60 days to get to them. They have been reporting 7 separate accounts being 120+ days past due. But when I get a statement, there is only 1 payment due, not 7. This has been impossible to correct and extremely unfair. I have not been able to get approved for almost anything in over 7 years. I had to refinance the student loans so that they would stop reporting negatively. The next year when I sent them my returns, they said that " they '' didn't file my paperwork timely which then resulted in even more of lates. However, they were unwilling to correct he information reported to the credit bureau. 

These accounts should be deleted based on the first late payment, which should have already happened. 

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX, XXXX, 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. 
They are in violation of the Fair Credit Reporting Act
Product: Student loan

The conversation below occurred with EdFinancial.

1. Attached below will show that I paid off my loans in full multiple times, only to have each payment cancelled by EdFinancial without reason, just stating that there is some sort of issue. I contacted my bank and they said there was no reason as to why the payment should not have gone through. 
2. After 3 attempts to pay off my balance in full via their website, I called and made the payment over the phone with a customer service person who assured me that I paid the balance in full. A few weeks later, I check my account and see that there is roughly {$150.00} left over in the account that they did not tell me was unpaid, after I paid the full balance. I called customer support and showed them that I paid my entire balance in full, showing them that my balance was {$9900.00} and that was the amount I paid. The customer support person apologized to me, and said that the remaining ~ {$150.00} would be wiped from my account. Weeks go by and it does not get cleared. I call again and the lady on the phone gave me terrible service and fought with me until I did the math for her and showed that I paid off the entire balance of {$9900.00} on XX/XX/XXXX. After she gave me attitude for 30 min and spoke to her manager, she apologized and said I was right and that the balance would be cleared. It has now been multiple weeks and the balance remains, with no word from EdFinancial. During this time, it has been accruing interest. It is now XX/XX/XXXX, the balance is still there and it needs to be cleared. 
3. This feels incredibly predatory by EdFinancial, beginning with them not accepting my payment for no reason, and then leaving money in my account to accrue interest for the rest of my life if I were not to check my account and make sure that all the loans were at {$0.00}. I am in need of help from the CFPB against this predatory company
Product: Credit card

Capital one closed my credit account without ever informing me. I only found out it was closed after fully paying it off. I completed my full owed payment XX/XX/XXXX when the due date was XX/XX/XXXX. On XX/XX/XXXX they charged me interest for an account that has been paid off and no longer exists. Im a fairly young person trying to fix my credit debt and capital one has made it an absolute nightmare with their lack of informing me as a client what is going on with my account. I never received any information on my account being closed prior to the 4th. The account had been closed by them in XXXX without my knowledge.
Product: Debt collection

I contacted Genesis Credit Management/ Columbia Debt Recovery requesting information about a collections debt that was placed on my credit but I was never advised I owed an amount. The XXXX XXXX rep XXXX advised there were emails sent to XXXX but there were not any emails sent. XXXX then advised due to COViD in 2020 all collections attempts were paused. They did not receive my debt until XX/XX/2020 so there were no collection attempts after an employee advised there were and the balance has gone up since it hit my credit. I was told over the phone by XXXX a XXXX XXXX agent that she would not do a direct dispute due to me not being their customer. I am trying to rectify this account but the company is not giving me the ability to do so. 
They are also showing on my credit twice as two different companies
Product: Mortgage

Responded to repeated offers from the lender for a refinance to reduce my interest rate. Mortgage is held by the same lender. Completed application on XX/XX/XXXX. Application was cancelled without explanation 2 days later. Complained and application was re-opened on XX/XX/XXXX. After dozens of phone calls, dozens of emails, was informed by phone at my initiative that my refinance application was closed on XX/XX/XXXX for " incompleteness. '' No explanation was given and repeated requests for information and reconsideration have not been answered. I have no received correspondence from Freedom Mortgage, nor any adequate explanation. 

Customer service for this process was non-existent and infuriating. I emailed repeatedly with questions about forms I was being asked to sign. Only once was there a reply. I was asked for the same forms by different people multiple times. I requested updates dozens of times and there was no reply. I received dozens of calls from " customer advocates '' who were unable to tell me anything other than the fact that my application was still in process. I escalated the case to find out information on what the issue was and those escalations were not followed-up on by XXXX. I did not receive any signed copies of electronic forms, written notification, or other correspondence. I was not informed of reason for delays or were my questions answered. In the end, I did learn from my HELOC lender ( XXXX XXXX  ) that they were in a dispute with Freedom over the subordination agreement. 

Because of the 6 month ordeal with this application, interest rates have increased substantially and Freedom Mortgage has caused me a loss of opportunity in excess of {$15000.00} dollars.
Product: Payday loan, title loan, or personal loan

My bank account was withdrawn  XXXX  on today 's date  XXXX / XXXX / 17  by Americash. They did not send me any notice prior to withdraw informing me of the anything, no info for amount being withdrawn, no date agreed on to withdraw amount that was took from me, Nothing. So I contacted Americash and spoke to a representative concerning the matter. A male representative told me that interest had accrued onto my loan due to late payments that were made onto my account, so the guy told me that I 'm being charged  XXXX  dollars of interests, so they withdrew a portion of that interest from my bank account today  XXXX / XXXX / 17  in the amount of  XXXX  dollars, and the remaining amount of  XXXX  dollars will be withdrawn on  XXXX   XXXX   2017 , I told the guy I did not receive a notice stating anything about this transaction being made, the guy told me they are not obligated to inform me of any interest owed. I was highly upset because I was not informed or aware of any transactions being took place on my bank account today or on  XXXX   XXXX , they violated my rights for not even sending me a notice prior to withdraw, and most importantly the money was not available to be withdrawn due to me deemed unaware of payment set to be withdrawn from my bank account today. From my understanding from my payment schedule which I received from americash stated that my last payment was  XXXX   XXXX     2017  in the amount of  XXXX  which was paid.
Product: Mortgage

I have been trying to get SLS.net my mortgage processor to remove the PMI I pay every month. They insist that I hire an assessor in order for me to remove the PMI. The mortgage itself is below the 20 % threshold as I under the law. My current principal amount is {$310000.00}. My ORIGINAL BALANCE was {$390000.00}. 

The difference in the two amounts is 22.38 %. Please assist me in getting this company to remove PMI. Their parent company is XXXX XXXX and they have a reputation for ripping off the consumer.
Product: Credit card or prepaid card

XXXX On XX/XX/2022 I bought an office chair from XXXX using my XXXX  XXXX XXXX Card from XXXX Bank XXXX Months later, Synchrony sold that credit card business to Barclays Bank XXXX and the XXXX  XXXX XXXX became a Barclays XXXX XXXX XXXX Sometime in the fall of 2022, the office chair broke and there was no possible repair. XXXX, via its marketplace vendor, issued me a full refund of {$210.00} for the broken chair. The refund went TO THE ORIGINAL CHARGE card, which was a XXXX  XXXX  that no longer existed. 
XXXX. I talked to XXXX and they said they HAD to refund to the original charge card. 
XXXX. I talked to XXXX XXXX  and they indicated the sold the ENTIRE card business, with assets and liabilities, to Barclays, and that it was their responsibility to issue the credit. 
XXXX. I wrote to Barclays and while they investigated, they issued a credit on my new XXXX XXXX XXXX for the {$210.00} XXXX. Suddenly, they charged me the amount again saying that I was " outside of the permitted timeframes to continue this claim '' XXXX. I contacted XXXX and XXXX and they indicate it is Barclays responsibility to issue the credit. 
XXXX. Barclays has refused TWICE, in writing, to issue the refund even though I have provided thorough documentation. 
XXXX. SO basically, some financial entity is keeping my refund and nobody is assuming responsibility for my reimbursement. I told Barclays I was filing a complaint with you and they didn't care. 
Thank you
Product: Credit reporting or other personal consumer reports

The late payments listed do not align with my typical payment history.
Product: Mortgage

Received Trial Modification XXXX XXXXXXXX XXXX with mortgage assistance terms. 
Requested documents to be signed by for my mortgage company was signed XXXX back to lender XXXX XXXX, XXXX 

Foreclosure letter from foreclosure attorney was received dated XXXX XXXX for sale of my house. XXXX XXXX, XXXX I was told by customer service my mortgage company foreclosure date would be canceled but is has not been canceled. 

Received XXXX set of documents from my mortgage servicer XXXX XXXX that have been signed, XXXX back to my mortgage company.
Product: Debt collection

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXXXXXX Account number : XXXX Balance : {$530.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00}