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

XXXX  report number : XXXX XXXX has violated my rights under the FCRA. 
I filed a dispute with XXXX  to dispute an erroneous entry by Complete Credit Solutions in XX/XX/XXXX. I was not notified of this debt or my right to dispute. I became aware of the entry to my credit report added in XXXX XXXX by reviewing my credit report. 
Please note that this debt was initially reported by a company called XXXX XXXX. I disputed the validity of this debt and XXXX   removed it in XX/XX/XXXX. 
It was then purchased by Complete Credit Solutions. 

I received electronic notification yesterday from XXXX  that the dispute was rejected. 
XXXX failed to adequately investigate this dispute and failed to notify me in writing of why this dispute was rejected. Important to note, but not at all surprising, I was also not notified by Complete Credit Solutions detailing why this dispute was was rejected. 

XXXX  advertises a site to upload additional information supporting a dispute. It doe not allow XXXX   or JPEG uploads. After entering the requested demographic information, I pasted my statement only to receive an error message. 

If this matter is not handled lawfully, I will have no other option than to escalate to legal options Below is the Original dispute sent to XXXX : Complete Credit Solutions has violated my rights under the FCRA by : -Reporting erroneous information to credit reporting agency. 
-Failing to notify me in writing of the debt and of my right to dispute the debt. I learned of this debt after seeing it on my credit report. 
-This erroneous debt and negative entry on my credit report has impacted a decision resulting in a higher than expected interest rate. 
*This debt was purchased from XXXX XXXX after it was disputed and removed from my XXXX  report in XX/XX/XXXX. 
Verify this debt as legitimate including the original contract, otherwise remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americredit pulled my credit without authorization on XX/XX/2020. As a result there is a hard inquiry on my XXXX credit report negatively impacting my credit score, which will remain there for two years unless they provide a " deletion letter ''. The company was contacted by phone when the issue was discovered. I was told they had no record of accessing the credit report and agreed to provide the letter of deletion. The letter was never received. Several follow up attempts, including an email sent on XX/XX/2020 have been disregarded. I have no other recourse or way to remove this inquiry from my credit report. Only they can rectify their error and they refuse to do so resulting in my hardship.
Product: Student loan

I graduated XX/XX/year>, and between my XXXX and my graduate school tuition, I am about {$390000.00} in debt. I took the necessary steps to apply for the repayment plan that best fits me and my needs in before the due date. According to the department of Education, after I apply for the repayment plan, I will be placed in a forbearance for up to XXXX  days until a decision is made ( interest will acrue during this time ). After XXXX  days of my application, if no decision is made, I will be placed on general forbearance during which XXXX will not acrue. 
It has now been over XXXX  days since I have submitted my application, and there is no response from Mohela. I have spoken to them several times after being put on hold for OVER XXXX HOURS ( almost every time ), only to be told that there is nothing that they can do, and they are waiting for the FSA to put me on this forbearance. I would like to add that whenever I speak with them they confirm for me that my application is in and my information is complete and that there is nothing else for me to do. After speaking to the XXXX myself, and doing my own research, as well as speaking to other loan servicer, I was surprised to find out that it is my loan servicer 's responsibility to put me on the no XXXX forbearance. I spoke to MOHELA several times afterwards and they said to me : " we can always back track your interest. '' I am getting frustrated at the lack of responsiveness and ignorance of the representatives from MOHELA. My interest is accruing every day, and it is their fault. When I asked them to give me this information in writing. They refused to email it to me for some reason. MOHELA is not being honest or fair with my money. All I am asking is to speak to someone who can help place me on the correct forbearance, and back track all of my interest that has accrued as a result of the incompetence and irresponsibility of MOHELA.
Product: Credit card

I have a XXXX XXXX XXXX XXXX XXXX XXXX When I signed up for it the fee was stated to be {$450.00}. 

With no notice, the fee has been raised about 30 % to {$590.00}. They also added on a {$170.00} authorized user fee. 

They absolutely did NOT send a notice ( 45 days ahead or otherwise ) of either of these fees before charging me. 

Also, when I went to add an authorized user there was NO notice of there being an additional fee. I went back to check and I see that the interface has now changed and there is a more prominent fee notice in the interface.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send several letters out to XXXX about hard inquiries I have 43 hard inquiries on my credit report I have disputed them but have not heard anything from XXXX, XXXX, Experian I have 18 hard inquiries on XXXX 43 on XXXX and 16 on Experian it has been over five months and I have not heard for any one
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint and tried to dispute it through XXXX XXXX, but nothing happened. I have an collection on my account that was supposed to come off but never did. I paid it already, and the addresses on my report are outdated.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I discovered multiple accounts and inquiries on my TransUnion credit report that were not authorized by me. These accounts were opened without my knowledge or consent and are the result of identity theft. I immediately took action by filing an identity theft report with the appropriate authorities. I also contacted TransUnion to dispute these fraudulent items and requested their removal, but as of today, they remain on my report. 

The fraudulent accounts, which total over {$130000.00}, include balances from financial institutions and credit card companies, none of which I opened or authorized. Additionally, there are unauthorized credit inquiries that were initiated without my approval. 

Despite notifying TransUnion of this situation, no action has been taken to investigate or remove these items, in violation of the Fair Credit Reporting Act ( FCRA ). I am seeking immediate removal of all fraudulent accounts and inquiries from my report, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this letter is to inform you that my identity has been compromised and that the following inquiries do not belong to me. I have filed the necessary paperwork and ask that you please remove the following accounts from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX credit card opened in XXXX and was purchased by Cavalry SPV I , LLC I was living and working in another country with my husband I got a note back in XXXX From XXXX formerly known as XXXX they find out that was a mistaken Identity and send me a letter. for this account. Then was sold assignee to Cavalry SPV I , LLC they have a lot of inconsistent, I come back to this country in XXXX to take care of my husband he had XXXX XXXX ( we were legally separated ) but hed no one to help him he reasinly pass away. I want to go back to my country. but is being 4 years of fitting than in court they never validate the account until after they filed suit. This is never my account I never find out until XXXX 4 months before the 4 years. They were not supposed to contact me but they had contacted me by mail by phone even though I had fie a letter of desisting. since my Husband passed away I what to go back to my country. 
every time we go to court they are ever there. 
this is 8 years old can you help me. I have no letter no contract Only what they give me I still fix in my credit is not in my credit they find out on my credit report the was another person using my name XXXX. 
XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My identity was stole, and it was breach through XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX  account # XXXX XXXX  account # XXXX, XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX  account # XXXX XXXX  XXXX  account # XXXX XXXX  XXXX  account # 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: Mortgage

Ocwen Home Mortgage has been assuring customers that they are paying out their escrow to their Home Owners Insurance Companies, but are not doing so. I have had multiple contacts with the company, to which they do not update that I have called stressing the importance of this being paid. 

In contact with my Home Owners Insurance Company ( XXXX ), they have told me that Ocwen is notorious for not paying their homeowners escrow. I believe they are doing this for financial gain. Since HomeOwners Insurance is a contingency on a loan, Ocwen does n't pay a 3rd party, because if I lose my insurance ( which I did temporarily due to their negligence ), I automatically get enrolled on Ocwen 's very expensive Home Owners Policy. 

I was forced to pay out of pocket for my Insurance, even though my money is in the escrow account. Now I want my money back from Ocwen, and they are pretending that they have no knowledge of my request every time I call. 

They are able to keep my money and not pay me back, but if I keep my money and do n't pay them the due mortgage until they refund me, then I lose my house. This is XXXX banking at it 's finest.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : CASH APP. USER NAME : XXXX PLEASE USE XXXX. XX/XX/XXXX AS THE DATE, AS THAT IS THE DATE OF MY LAST CONTACT WITH THE COMPANY VIA CHAT FROM A BOT. 
THE COMPANY IS ATTEMPTING TO VERIFY MY ID WHICH IS FANTASTIC. HOWEVER, THEY HAVE SOME SORT OF FLAWED AUTOMATED PROCESS TO DO SO & IT IS CONTINUOUSLY REJECTING MY CREDENTIALS. I DO NOT WANT TO CONTINUOUSLY PHOTOGRAPH MY ID & CONTINUOUSLY SEND IT TO THEM BECAUSE THEIR AUTOMATED SYSTEM IS FLAWED. EVERYTIME I DO SO, I RISK EXPOSING MY PRIVATE DATA ( YES IT IS ENCRIPTED, HOWEVER, ANY ELWCTRONIC TRANSMISSION AS SUCH CARRIES RISKS ). I HAVE TRIED IN VAIN TO REACH A LIVE PERSON TO INTERVENE AND OFFER A WORK AROUND SOLUTION. IT IS IMPOSSIBLE TO REACH A LIVE PERSON THROUGH THE 2 CUST. SERVICE CHANNELS THEY OFFER : TELEPHONE OR CHAT. EVERYTHING IS AUTOMATED AND IT IS JUST UNACCEPTABLE AND FRUSTRATING THAT A COMPANY THAT OFFERS ELECTRONIC CASH SERVICES AS SUCH CAN GET AWAY WITH NOT HAVING ANY HUMAN CUSTOMER SERVICE REPS. THE GOVERNMENT SHOULD NOT ALLOW THIS AND I AM QUITE SHOCKED THAT IT IS OCCURING. WHAT IF GOD FORBID THEIR AUTOMATED SYSTEMS SHOULD MAKE AN ERROR ON ONE OF MY TRANSACTIONS? HOW IS THERE ANY RECOURSE WHEN A HUMAN CAN NOT BE UTILIZED TO RECTIFY THE SUITUATION? I AM EXTREMLY WORRIED ABOUT SUCH A SCENARIO IF THEY ARE UNABLE TO SIMPLY EXTRACT DATA FROM A PHOTOGRAPH OF MY STATE ISSUED ID THAT I HAVE CONTINUOUSLY SUBMITTED! I WANT THIS SITUATION REGARDING A COMPLETE LACK OF CUSTOMER SERVICE ON RECORD AS PUBLIC INFORMATION AND SOMETHING BE DONE TO FORCE THIS COMPANYS HAND IN SERVICING THEIR CUSTOMERS WITH LIVE CUSTOMER SERVICE AGENTS! IF THE GOVERNMENT ( FED RESERVE ) SIMPLY ALLOWED MY BANK AND CREDIT UNION TO MIRROR THESE SERVICES OF CASH APP THE ECONOMY AND NATION WOULD BE BETTER SERVED! PLEASE LOOK INTO THIS. THANK YOU! I APPRECIATE THIS OPPORTUNITY AND FORUM TO BRING THESE ISSUES MORE INTO PUBLIC VIEW. 
XXXX
Product: Credit reporting or other personal consumer reports

There's a address on my credit where I never lived. And I have reported this and they still haven't removed it
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account with XXXX XXXX : XXXX is a fraudulent and unauthorized account. I did not apply for the account. The account was opened up fraudulently. The account is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three consumer reporting agencies are in violation of the FCRA laws as they have stated per their initial investigation into the accounts listed below that these accounts are valid. Per my investigation, confirmed by my credit report, all three consumer reporting agencies are reporting inaccurate information, even after stating they have validated these accounts. Either the furnisher to whom they are getting their information from is providing inaccurate information or the agencies themselves are knowingly reporting inaccurate information. I demand these accounts be deleted because there are being reported inaccurately and are in violation of the FCRA. 

DELETED the following accounts because of INACCURACY in the following categories : DATE OPENED - DATE LAST ACTIVE - DATE LAST PAYMENT - PAYMENT HISTORY - ACCOUNT STATUS - PAYMENT STATUS - BALANCE - HIGH CREDIT - CREDIT LIMIT XXXX XXXX XXXX Account number : XXXX ( In accurate payment history ) XXXX  XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX XXXX XXXX Account number : XXXX XXXX  XXXX Account number : XXXX  ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX  XXXX Account number : XXXX ( Payment history missing XX/XX/XXXX yet reporting still active as of months reported as collection ) XXXX  XXXX Account number : XXXX ( 3 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX  XXXX Account number : XXXX ( 2 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX  XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX  XXXX XXXX  XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) All hard inquiries being reported by XXXX and XXXX must be deleted because they are reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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.

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!!!

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 federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Auto loan from. 
XXXX XXXX XXXX  Last reported XX/XX/XXXX {$22000.00} Reported balance Highest balance You've paid off <1 % of this loan {$23000.00} OVERVIEW Highest balance Monthly payment Opened Term Account Details {$23000.00} {$0.00} XX/XX/XXXX ( XXXX yrs, XXXX mos ) 72 months ( 6 years ) PAYMENT HISTORY Last payment Payment status Worst payment status XX/XX/XXXX No Info ACCOUNT DETAILS Account status Type Responsibility Remarks Open Auto loan Individual Charged off as bad debt Dispute resolved; reported by XXXX XXXX XX/XX/XXXX days late XXXX This account show in all 3 major credit report agencies XXXX. EXPERIAN. XXXX. please have this account removed and updated immediately thanks
Product: Student loan

Hello, I am writing to request your assistance regarding an issue with my student loans, because my student loan servicer has improperly and inexplicably increased the principal balance of my loans by {$660.00} between my XXXX and XXXX, 2017 bills. My loan servicer is PHEAA who has been completely useless is resolving the issue with my loans.
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I am currently on the REPAYE repayment plan, where the monthly payment is calculated as a percentage of income. If the monthly payment does not cover all of the interest that accrued during that month, 50 % of the unpaid interest is cancelled and the other 50 % is added to an unpaid interest balance ( listed as " Outstanding Interest '' on my loan statements ), which does not accrue more interest. Regardless of the monthly payment amount, the principal balance of my loans should not increase.
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I am attaching my monthly billing statements from XXXX through XX/XX/XXXX. I consider the XXXX through XXXX statements to be " correct, '' however on the XXXX statement the principal balance on my loans inexplicably increased by {$660.00}. From the time I enrolled in the REPAYE payment plan in XX/XX/XXXX through XX/XX/XXXX, the principal balance of my loans stayed constant at {$130000.00} ( listed as the " Current Balance '' ), however on my XX/XX/XXXXbilling statement the principal balance of my loans inexplicably increased to {$130000.00}, an unexplained and improper increase of {$660.00}.
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Because I am on the REPAYE plan the principal balance should not be increasing. In addition to increasing the principal balance by {$660.00} that I do not and should not owe, the increased principal balance will accrue additional interest and this error will substantially increase the amount of interest over the life of the loan.
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PHEAA has absolutely refused to fix this error, and their general attitude seems to be that a {$600.00} error is too small for them to worry about. They further insinuate that because I am on the REPAYE plan, the entire balance will eventually be cancelled and therefore I should n't worry about it. However, my income may increase substantially in the next few years and I may pay off the loan early, so I would like the balance of my loan to be correct and not be improperly inflated by bogus accounting errors.
Product: Checking or savings account

I opened a Truist Bright Checking account on XXXX XXXX on XXXX XXXX I mobile deposit a check to my account on XXXX XXXX my account login was locked I Never received a call from the bank at all, I only received a letter stating that my check that I deposited was on hold for 7 days until check clearOk On XXXX XXXX I received a bank statement that shows the Bank received my deposit because the bank received {$87.00} from my deposit from overdraft fees and to this day I still dont have Assess to my account I have called the bank 5 times still no answers from the Bank .
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Different banks are reporting hard pulls on my credit report which is illegal under 15 U.S.C 1681 or fair credit reporting act. This is when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency, and I was never notified that I was going to receive these inquiries when applying.
Product: Credit reporting or other personal consumer reports

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX and the following inquirires as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is incorrect information on my credit report governed by 15 USC 16c-2. I believe this error is harming my credit score, and I did not approve the inquiries listed.
Product: Debt collection

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.