23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a significant issue with TransUnion 's handling of my dispute concerning unauthorized hard inquiries on my credit report. These inquiries are inaccurate and must be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ). The law mandates accurate reporting, and it is imperative that my credit report reflects this accuracy. 

The unauthorized hard inquiries that have been inaccurately reported on my TransUnion credit report are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wish to emphasize that I did not authorize or initiate any of these inquiries. Their presence on my credit report not only unfairly impacts my credit score but also jeopardizes my financial standing. Under the FCRA, credit reporting agencies such as TransUnion are obligated to ensure the accuracy of the information they report, and the presence of these unauthorized and erroneous hard inquiries is a clear violation of this requirement. 

I have previously communicated with TransUnion, disputing these inaccuracies and providing all relevant documentation to substantiate my claim. Regrettably, despite my persistent efforts, TransUnion has failed to take the necessary steps to rectify this situation, and these unauthorized inquiries persist on my credit report. 

I hereby request your intervention to address this matter urgently. I implore you to ensure that TransUnion promptly conducts a thorough investigation and takes immediate corrective action in line with the law. It is vital that these inaccuracies are removed promptly to restore the integrity and precision of my credit profile. 

I kindly ask for your assistance in resolving this crucial matter and request that you keep me informed of the progress and resolution of this dispute. I anticipate a swift and lawful resolution under the FCRA. 

Thank you for your attention to this critical 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. 
XXXX ) Account name : XXXX XXXX XXXXXXXX. Account number : XXXX. 
XXXX ) Account Name : XXXX XXXX .Account number:XXXX. 
XXXX ) Account name : XXXX XXXX. Account XXXX. 
XXXX ) Account name : XXXX XXXXXXXX. Account XXXX. 
XXXX ) Account name : XXXX XXXXXXXX. Account XXXX. 
Has violated my rights. 
I looked on credit report on XXXX and noticed some things are incomplete and not accurate.an according to the fair credit report act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accurate of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do ( 5 ) treatment of inaccurate or unverifiable.

( A ) in generally, after any reinvestigation under paragraph ( 1 ) of any information disputed.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, XXXX and Transunion regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/ and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
Product: Debt collection

Dear Debt Collector, I am writing to request that you provide validation of the alleged debt associated with my account as soon as possible. I request that you provide me with the original bill of assignment, as well as the full bill of records related to this debt. 

I am making this request pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA requires that a debt collector provide me with proof that they own the debt and that the amount they are attempting to collect is accurate. Without these documents, I am unable to determine the validity of the debt. 

Furthermore, I would like to remind you that as a consumer, I have the right to request and receive verification of the debt in question under the Fair Credit Reporting Act ( FCRA ). This request is made with the understanding that failure to provide this verification will result in a violation of my rights under both the FDCPA and the FCRA. 

I demand that you provide me with the requested documentation within the next 30 days. If you are unable to do so, I request that you cease all attempts to collect on this debt and remove all negative information from my credit report related to this debt. 

I look forward to your prompt response to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My account had been closed for about 1 year with chime banking i have got ahold of them plenty of times and spoke over the phone with the representatives and they told me my closure check which was for {$500.00} would be sent out to me in the mail i needed to comfirm my address with them so that they can make sure they had the right information i have still not received nothing in the mail this is ridiculous i get they closed the account but they owe me money!!! that belongs to me.
Product: Student loan

Mohela has been horrid from the start. If you call their number it is 4.3 minutes before you're given the option to speak to a person via their unskippable call menus. When you get there, there's consistently a 90+ min wait to speak to a person. They do not respond via online messages. This is the only option and their " please call me back '' option doesn't give time frames that allow for calls after work hours. They also are unavailable on the weekends. This makes them effectively impossible to communicate with. I have taken 4 days off work to try to fix this issue. It is unresolved. 

In XX/XX/2023 after denying my application for the SAVE plan twice, they put me in administrative forbearance so they could review the 3rd application. This forbearance lasted until XX/XX/XXXX after which I would receive my first bill on the SAVE plan. On XX/XX/XXXX they sent me a bill for {$800.00} which was due on XX/XX/XXXX. I called several times to tell them that i dont have that money as they had told me I was in administrative forbearance until the XXXX and wouldn't owe a payment until 1 month after coming off that forbearance. I spoke to someone after more than 2 hours waiting on the phone. They agreed there had been an error but said they had no way of correcting it unless I was willing to request personal or hardship forbearance ( of which there is a limited and unreplenishable amount ) to take the payment away. I refused, saying this was there problem and I wouldn't use my own resources to fix it. They said they'd " see what they can do '' to fix it. I called back 15 days later and they had no record of me calling before and went through the same conversation again. They refused to let me speak to a supervisor during this call. 

The next month I paid my first payment and they stated I was delinquent {$800.00} and assessed a fee. I told them I had called and that this was their error, and they said I was correct and they would fix the problem- the woman on the phone was very kind. The next month the same issue occurred and no changes had been made on the account. I called again and took the day off work to resolve this. I waited 3 hours for a call back and was told that " you have to wait for changes to take effect ''. The next month, XXXX, i made my regular payment and they AGAIN assessed a fee and said I was now 90 days delinquent for {$800.00}. I flipped out on them, yelled at them, threatened legal action and refused to make further payments until they fixed the problem. In XXXX they had not fixed the problem. I have made my regular payment again. I am considering killing myself because this is too much. I can not manage this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, We have a personal loan with SoFi and in late XXXX & XXXX were unable to make some of our loan payments. We let SoFi know that we were struggling due to my job loss and we had never been late on any other loan ( please see credit report for confirmation of this ). We tried to dispute this through each credit bureau to no avail. Weve done this multiple times but each time SoFi does nothing to remove the 3 negative late payments on our credit report. I have been able to get a couple jobs in my industry throughout COVID however there have been many layoffs. SoFi has allowed us at least twice to pay less than our full payment, which has helped but at this point they said there is nothing more they can do for us, even though I lost my job last year. The last time I spoke with a representative at SoFi I asked her am I supposed to pay you instead of my mortgage and groceries? in order to not have another late ( s )? She basically shrugged my statement off. Now I am blessed more than many others in this country and around the world that my husband does work, however we still cant pay our monthly bills without me working as well. I have over {$90000.00} in student loan debt to pay, etc, etc. I need SoFi to do the right thing and remove the lates it is showing erroneously on our credit report. This company has been terrible to work with and does not have the consumers interest at heart. If this is happening to myself, I can not imagine how it might be affecting other families out there who are struggling to maintain their credit scores but keep food on their table.
Product: Credit card

I paid off my entire balance however Im still unable to access the line of credit, when reason is giving by the company it states i have A past due balance which is false even on the app it states my balance is XXXX and paid in full
Product: Debt collection

I don't believe this debt is owed by me because i do not recall opening the account. Please remove my name from it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

data breach ftc sent inaccurate information must be removed by CRA laws XXXX trans and XXXX  does not want to comply with LAW inaccurate information that can't be corrected must be removed CRA
Product: Credit card or prepaid card

My excluded worker 's fund was stolen. When I received the bank card, I registered on the bank 's website and set up a transfer warning. Then, when I swipe my card at a restaurant near my home, I have Received a transfer text message. At the time, I also checked my bank balance and it was correct. After more than half a year, when I checked the bank balance, I found that there were only XXXX dollars left. When I called the bank 's customer service, I was told that my money had been wiped out. I was very shocked. My card was not lost in my possession, nor did I receive any transfer information from the bank. I don't even know where my money went. I asked the customer service for the transfer record, only to find that my card had been stolen on XXXX XXXX XXXX. I really can't believe which bank can pass through the card for more than XXXX XXXX dollars within 3 days, and there is no call or text message to notify the customer. As a result, I didn't even know that my card was stolen. Now the bank says that there is no way to protect my rights, because I have passed the 60-day retrospective period. The time of the transfer records I received from my previous consumption and the transfer records given to me by the bank are also inconsistent.
Product: Credit reporting or other personal consumer reports

Hello I recently have been trying to dispute information on my credit that is incorrect or that I do not recognize. I also have notice many attempts that were made on my credit to view my credit information and get credit cards. I have made attempts to try to get the incorrect and fraudulent information off of my credit by writing the companies that are reporting the information to the credit bureaus. While I understand it takes sometime for this to occur, I was just given information that my social security number, email, name and address was all leaked during security breaches. This happened not once, not twice, but MANY times since XXXX. I am furious because not long may this be the reasons for the fraudulent reports and incorrect information but what other negative impacts is this going make over my financial future in my quest to better my credit. My privacy has been violated. Under 15 USC 1681, my private information is supposed to be protected. That did not happen during this breach. Millions of us will end up with issued in the near future because someone has our social security number and other private information. How are we to trust anyone with this information because our government agencies that are supposed to protect us against this kind of information breach, can't even protect us.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed I had unauthorized fraudulent inquiries on my report that were reinserted by Equifax which is a consumer violation. I did not consent to, authorize nor benefit from the following inquiries. Please remove them immediately. 

XXXX : XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I am writing to formally submit a complaint regarding Navients mismanagement of my federal student loan account and reporting errors by XXXX. Despite having fully paid off my student loan debt through a reputable U.S. debt consolidation company, illegal fees remain on my credit report. This issue is particularly troubling given Navients history of violations, as outlined in the CFPBs recent enforcement action. I believe their mishandling of my account constitutes violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) and the Higher Education Act ( 20 U.S.C. 1082 ). 
As an added note ; Navient misdirected me and my husbands request to utilize his military benefits only to finance our college fund. There should be record of numerous complaint on their recorded line in an attempt to clarify this misdirection. 

Details of the Complaint 1. Account History : My student loans were fully settled through a U.S. debt consolidation company. However, my credit report continues to reflect illegal fees that should have been removed upon settlement. 
2. Reporting Errors : XXXX have failed to correct inaccurate entries despite being notified of the errors. 
3. Violation of Federal Laws : Navient has demonstrated a pattern of noncompliance with consumer protection laws, as highlighted in the CFPBs judgment. Their failure to accurately update my account status has caused significant harm to my creditworthiness. 

Details of the account Account Name : Navient Account Number : XXXX Credit Report : XXXX, XXXX, and XXXX. 
Party ( s ) complaint filed against : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Navient XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I urge the CFPB to investigate this matter and ensure that Navient is held accountable for any further violations of federal regulations and request XXXX to elaborate on how exactly the information provided was determined to be accurate. Please find enclosed documentation for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I have filed and identity theft affidavits. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission.
Product: Student loan

I have asked for a verification of debt bc I I know my loan balances are extremely high. It appears as if they are being counted multiple times.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app b ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received emails saying all three of my credit cards with Bank of America have been closed. I was nothing but confused. It was one day before my four day trip to Florida. I called BoA and they told me they sent me a mail with call for actions so I just had to complete that and we could go from there. I pressed them and asked why and they said one of my authorized users tried to use my credit card to buy cryptocurrency. I said that there was no way that's the case and I later confirmed with my authorized user. 

On XX/XX/XXXX, I came back from my trip and I read the mail from them. It says they closed my account because " Irregular authorized user activity on one or more of your accounts ''. I called BoA again and this time they advised that I just have to reopen new account or talk to XXXX. I did both. My credit card application immediately got declined. 

On XX/XX/XXXX, I finally received the mail from XXXX, everything looks great in the report as far as I can tell. 

I am convinced BoA closed all my credit cards because I get rewards and never pay any fees. This is especially true when I realized they confiscated all my rewards too. I had been loyal to Bank of America until now and had been a Preferred Honor reward member since XXXX. I am now in the process of moving all my accounts away as I do not trust BoA anymore.
Product: Credit card

Complaining in back again XXXX CFPB what is the decision was the claim favor in my end?
Product: Credit reporting, credit repair services, or other personal consumer reports

i called the company because i did not ask for credit from them they have an inquiry on my report with 3 credit company, when i called its a advertisement for tv 's or XXXX XXXX XXXX   cable and wanting to sell you something, there no way to speak to anybody other than a sales rep. 
im trying to have this deleted from my credit report '' s this is a complaint. HELP. 

Coaf XXXX, TX XXXX ( XXXX ) XXXX
Product: Mortgage

I fell behind in my mortgage payments and was contacted last XXXX by a credit associate with my mortgage company. She assisted me in beginning the modification program. Once I began the process, my associate was changed. I have now submitted the modification paperwork no less than 6 ( six ) times since XXXX, and each time there is a reason why the modification can not be completed. The most recent time I submitted the documents, I double and triple checked the paperwork to be sure that it was accurate, complete, and signed in black. It was. Once I contacted the mortgage company ( my rep does not follow-up on her accounts ) this morning, I was informed that the paperwork was missing the Compliance Agreement page. I vehemently disagreed and asked to speak to the manager. The manager was also unable to verbalize a resolution that was acceptable, and said that he would contact me Monday, as the Modification department did not work weekends. 
Once I was able to review the copies that I had made of the documents that I sent to the mortgage company, I realized that either someone in the scanning department deliberately left a page out, or whoever received the document discarded or 'lost ' the Compliance Agreement ' page. This process has been going on for seven months. I think the mortgage company wants me to not complete modification and to leave my home.